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First-time home buyers have a lot of loans and programs to choose from, including FHA, VA and USDA loans., These first-time homebuyer loans and programs are designed to make homeownership more affordable for borrowers getting their first mortgage., Learn about government programs that make it easier to buy a home, including loans, mortgage assistance, and vouchers for first-time home buyers., Some first-time homebuyer loans, such as FHA, VA and USDA, allow low to zero down payments to buyers who meet the requirements. Find the best first-time homebuyer loan for you with U.S. Bank., Depending on your income, credit score and down payment amount, you may qualify for one or more of these first-time homebuyer programs., A first-time home-buyer loan can make it easier to afford a home. Here’s what you should know about these loans and programs, including how they work and where to find them..