Dreaming of homeownership but worried about the down payment? On the latest episode of Welcome Home with Peggy and Tat, we’re breaking down special loan programs that could make buying a home more affordable than you think. Learn about FHA loans with as little as 3.5% down, VA loans offering zero down for eligible veterans, USDA loans for rural and suburban areas, and IHDA programs that provide down-payment and closing-cost assistance right here in Illinois. Your path to homeownership may be closer than you think. Listen to Welcome Home now! Hickory Point Bank. Equal Housing Lender.