💰 Low Down Payment Mortgage Loans
“Buy a home with less cash upfront — starting at just 0% down.”
📘 You Don’t Need 20% Down to Buy a Home
One of the biggest myths in real estate is that you need a 20% down payment. The truth? You can often buy a home with as little as 3%, or even 0% down — depending on the loan program.
Whether you're a first-time buyer, recovering from credit issues, or just building up savings, there are low and no down payment options available that fit your situation.
✅ Popular Low Down Payment Loan Programs
| Loan Type | Minimum Down Payment | Best For | Learn More |
|---|---|---|---|
| Conventional Loans | 3% | First-time & repeat buyers with decent credit | Conventional Loans |
| FHA Loans | 3.5% | Credit-challenged or higher debt-to-income buyers | FHA Purchase Loans |
| VA Loans | 0% | Eligible veterans, active-duty military | VA Loans |
| USDA Loans | 0% | Buyers in eligible rural or suburban areas | USDA Loans |
| Down Payment Assistance (DPA) | Varies | First-time buyers & low-to-moderate income borrowers | Talk to Us |
🧠 Who Qualifies for Low Down Payment Loans?
To keep your out-of-pocket costs low, you'll usually need:
-
✅ Stable income and job history
-
✅ Minimum credit score (usually 580–620+)
-
✅ Acceptable debt-to-income (DTI) ratio
-
✅ Documented source of funds (savings, gift, DPA, etc.)
💡 We help you determine the best program for your goals and guide you through qualification requirements step-by-step.
💡 Gift Funds & Assistance Programs
Most low down payment loans allow gift funds from family or friends, and some buyers qualify for state or local down payment assistance (DPA). These programs can help cover:
-
Down payment
-
Closing costs
-
Prepaid expenses (like taxes and insurance)
Ask us about DPA availability in your area.
📉 Low Down Payment ≠ High Risk
Today’s low down payment programs are safe, fully underwritten, and government-regulated. They’re designed to expand access to homeownership — not trap you in bad loans.
With the right lender guidance, many buyers start with as little as $5,000–$10,000 total out-of-pocket.
🔗 Related Pages
📞 Ready to Buy with Less Down?
We’ll help you find the right loan with the least amount of cash upfront — and guide you every step of the way, from pre-approval to close.
🔵 [See If You Qualify]
📞 [Talk to a Loan Advisor]
🔒 Disclosure
This is not a commitment to lend. All loans are subject to credit approval, underwriting review, and program eligibility. Down payment assistance and loan terms may vary based on income, location, and credit profile. Not all applicants will qualify.