Are there low-down-payment home loans? A host of private lenders offer low-down-payment loans. In addition, there are government programs to help cash-strapped buyers. The U.S. Department of Housing and Urban Development offers a variety of programs through the Federal Housing Administration that require approximately 4 to 5 percent cash down. Loan limits vary depending on the county where the property is located. Fannie Mae’s Community Home Buyers program allows people to buy with just 3 percent down. For details, contact lenders who offer government-insured loans. In addition to calling lenders for information, contact Fannie Mae directly at (800) 832-2345.