Can I really buy my first home with a small down payment?

Buying a first home with a small down payment is genuinely possible through FHA loans, certain conventional programs, and VA or USDA financing for eligible buyers, none of which require the large down payment many first-time buyers assume is standard. Credit, income, and debt still have to support the loan, and mortgage insurance usually applies until enough equity builds up. A lender can confirm which program fits a specific buyer's file.