It's difficult to find a home that is available on a land contract. The reasons are many but mostly it's because if it's a foreclosure by a bank or credit union or HUD or Fannie Mae they will not sell the house on a land contract. They simply want the house sold and off their books. Most homeowners cannot sell on a land contract either. They need the money out of their house to buy another one or sometimes they are leaving the area and don't want any loose ends. In addition, many mortgages have a "due on sale" clause in them which prohibits the seller from selling on a land contract. Most sellers want a substantial down payment because they need to cover the closing costs including the realtor's commission. And with a good sized down payment they can feel more secure that the buyer will actually keep up their end of the bargain. With little invested, some people will change their minds and not buy the house after all, or even worse, trash the house and disappear. And a seller will always want to see a good credit score because they have the same feelings as a bank - if people aren't responsible with paying their other bills on time, they probably won't pay their land contract payments on time either. But there are always exceptions and a few land contracts exist. Check with realtors and the homes for sale in the newspaper and sometimes even Craig's List.