The 10 best cities to buy your first home

Breaking into the housing market can be difficult, especially for beginners. But in some places it‘s more possible, and less stressful, than others.

A identified the best cities for first-time homebuyers, where down payments are typically lower and mortgages can be easier to secure.

The study ranked the 50 largest metropolitan areas in the U.S., taking into account six factors: average down payment amount, average down payment percentage, number of buyers using an , how much buyers are saving by using FHA loans, percentage of buyers with low credit scores and percentage of homes that are affordable for middle-income buyers.

Majority of the top cities are clustered in the Midwest, including Detroit, Michigan, and Columbus, Ohio. That‘s mostly due to the fact that the region is relatively affordable, says Tendayi Kapfidze, chief economist at LendingTree.

“First-time buyers are at a disadvantage to buyers who currently own a home as first-timers have no equity to assist with the down payment,” he tells . “Thus, lower priced areas, such as those in the Midwest, that require a smaller down payment in dollar terms afford first-time buyers more opportunity.”