Question: what are the first time home buyer programs?
Answer: FHA loan. Best for: Buyers with low credit and smaller down payments. ... 
USDA loan. ... 
VA loan. ... 
Good Neighbor Next Door. ... 
Fannie Mae or Freddie Mac. ... 
Fannie Mae's HomePath ReadyBuyer Program. ... 
Energy-efficient mortgage (EEM) ... 
FHA Section 203(k)