– While you are discussing first-time buyer programs, you will also want to learn about mortgage loans for first-time buyers, as well. Mortgage Loan Options for First-time Buyers First-time homebuyers may want to consider choosing a loan program specifically designed to help get you into a home with a smaller down payment.
Here’s how you can buy a house in the Sacramento area with zero or 1 percent down – It’s tough to be a first-time home buyer in the Sacramento region these days. of Guild’s own down-payment assistance programs, the Guild 1% Down Loan. It gives buyers who qualify an extra 2 percent.