A Pennsylvania borrower with a 580 credit score seeking a 3.5% down payment loan should look at:

Explanation

FHA loans are the most accessible for borrowers with lower credit scores — a 580 score qualifies for 3.5% down under FHA guidelines. Conventional loans typically require 620+ for approval; VA requires military eligibility; USDA requires rural location and income limits. FHA's flexibility makes it valuable for many Pennsylvania first-time buyers.