There are many assistance programs on the state and local levels, including first-time homebuyer tax credits; check your state's housing finance agency. Other programs include: The U.S. Department of Housing and Urban Development funds public housing and offers vouchers for low-income Americans. The U.S. Department of Veterans Affairs (VA) has home loan programs for service members, veterans, and eligible surviving spouses. The U.S. Department of Agriculture (USDA) has a homeownership program for rural Americans. The Federal Housing Administration insures mortgages and offers downpayment assistance, making a home purchase more affordable.