Are there any specialty mortgage guides that focus on low-down-payment options for first-time buyers?

Yes — there are a few specialty mortgage guides and resources aimed specifically at first-time buyers looking for low-down-payment options. Common examples include guides that cover:

• FHA loans — often as little as 3.5% down
• VA loans — potentially 0% down for eligible veterans/service members
• USDA loans — potentially 0% down for eligible rural and some suburban areas
• Conventional low-down-payment loans — such as 3% down programs for first-time buyers
• State and local down payment assistance programs — grants, forgivable loans, or deferred-payment assistance

If you’re looking for a guide, good search terms are:

• “first-time home buyer low down payment guide”
• “FHA vs conventional first-time buyer guide”
• “down payment assistance programs by state”
• “zero down mortgage guide”

If you want, I can also put together a quick comparison guide for the main low-down-payment mortgage options.