Low Down Payment Options
You don't need 20% down to buy a home. With the right program, you can close with as little as 0% — and we'll match you to the lowest-down option you qualify for.
What is Low Down Payment Options?
The 20%-down rule is a myth left over from another era. Today's first-time buyers close on great homes with as little as 0% down using a VA loan, 3% with conventional, or 3.5% with FHA.
The right program depends on your military status, location, credit, and goals. We screen every borrower across all available programs — including state down-payment assistance — and show you the lowest-cost path to your keys.
Sometimes the best move is to put less down and keep cash for reserves, repairs, and emergencies. A skilled loan officer can help you weigh the tradeoffs.
Who qualifies?
This program is built for borrowers who match the criteria below. If you're not sure, send us a quick message and we'll confirm in minutes.
Talk To An Officer- Buyers with limited savings but strong income
- Renters ready to convert monthly rent into equity
- Buyers eligible for VA, USDA, or DPA programs
- Conventional buyers willing to accept PMI
Key benefits
Many Programs Available
Conventional 3% down, FHA 3.5%, VA 0%, USDA 0%, plus DPA stacks.
Keep Cash For Reserves
A larger reserve cushion is often more valuable than a bigger down payment.
PMI Can Be Removed
On conventional loans, PMI drops off automatically once you reach 22% equity.
Start Building Equity Now
Every month of homeownership beats another month of rent paying someone else's mortgage.
How it works
Eligibility Check
We screen you across every low-down program in 5 minutes.
Compare Options
See side-by-side payment and cost comparisons.
Pre-Approve
Get a pre-approval letter at your selected program.
Close
Standard 30-day timeline.
Frequently Asked
Get a personalized Low Down Payment Options quote.
Tell us a little about your scenario. We'll come back to you with real numbers — within one business hour.
No commitment. No fees. No surprises.