Government Loans

First time homebuyers standing in front of home

Government Loans


These options help make homeownership more affordable for many, including first-time buyers, with lower down payment requirements and low or no closing costs.

family moving into a new home


FHA was created to make it easier for borrowers to qualify for home loans with lower down payments and lower credit score requirements. While these mortgages do require monthly mortgage insurance, this is an excellent option for many first-time homebuyers. FHA loans are insured by the Federal Housing Administration and feature:

  • 3.5% down
  • 580 minimum score
  • Mortgage insurance 
  • Upfront funding fee
  • Purchase/refinance/ cash out
  • Primary home only
  • Site built and manufactured homes
  • Max loan amount $472,030¹
veteran with a young child and American flag


A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The list of those eligible includes veterans, active-duty personnel, reserve members, national guard members, and some surviving spouses. VA loans feature:

  • 0% down
  • 580 minimum score
  • No mortgage insurance
  • Purchase/refinance/ cash out
  • Primary home only
  • Site built and manufactured homes
  • Max loan amount $726,200
  • Upfront funding fee depending on qualification
couple standing in front of a sold home


The USDA loan program offers zero down payment mortgages for eligible rural homebuyers on approved income and property types!

  • 0% down
  • 580 minimum score
  • USDA Finance and refinance
  • Primary home only
  • Site built homes only
  • No loan limit but restrictions apply
  • Annual fee paid monthly and upfront guarantee funding fee

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Mortgage Calculators


Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. This data is available online at the Consumer Financial Protection Bureau’s Website ( HMDA data for many other financial institutions is also available at this Website.

Subject to credit approval. Monthly payment example for a 30-year fixed interest with no points and an estimates $4,000 closing cost: The payment on a $100,000 loan would be $606.92 per month at an interest rate of 6.75% and a 7.138% APR with a 360 month term.

1. FHA limits vary by county.

The calculators found on this page are for information purposes only. While the results of the calculators may be generally accurate, the results do not reflect any specific credit union accounts, loans or other products or services and may not exactly match the calculation methods used by the credit union (or any third party) for accounts, loans or other products or services. These calculators should be used only for general informational purposes and should not be relied on for any specific transaction.