Loan program
Low Down Payment Options
Get into a home with as little as 0–5% down using the right program.
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.
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.
What it gives you
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 runs, start to finish
- 1
Eligibility Check
We screen you across every low-down program in 5 minutes.
- 2
Compare Options
See side-by-side payment and cost comparisons.
- 3
Pre-Approve
Get a pre-approval letter at your selected program.
- 4
Close
Standard 30-day timeline.
Questions people ask about this one
Should I just save more for a bigger down payment?
Often no. With rising home prices, you may save $20k while the home goes up $40k. Start now if your finances support it.
Does PMI go away?
On conventional loans, yes — automatically at 78% LTV. On FHA, generally not unless you refinance.
Are gift funds allowed?
Yes, on most low-down programs. We document the gift properly to keep underwriting clean.
What about closing costs?
Closing costs are separate from the down payment. Many programs allow seller credits or rolled-in costs.
Programs people look at next
The first step is a conversation, and it costs nothing.
No documents, no credit pull, no obligation afterwards. Just somebody explaining the part you are stuck on.
Or call(503) 555-0175and ask for whoever is free.
