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Home » Less Than 5% Down

3% to 5% Down Loans
Conventional and FHA Loan Overview

3% to 5% down mortgage loans

Down payment can be paid with family gift

Up to 6% closing cost help

Flexible underwriting and credit guidelines

3%

CONFORMING – Low Down Payment Conventional Loan²

5%

CONFORMING – No income restrictions

3.5%

FHA – Flexible income and credit score requirements ¹

5%

HIGH BALANCE CONFORMING – No income restrictions and higher loan amounts

OTHER LOW-TO-NO MONEY DOWN MORTGAGE LOAN OPTIONS

One-Time Close Construction Loans ^{1, 2}

VA Loans to Purchase, Build, or Rehab ²

$0 Down Loans with No Down Payment ^{1, 2}

FHA Loans to Purchase, Build, or Rehab ¹

Conventional Loan to Purchase, Build, or Rehab

Renovation Loans to Purchase & Renovate ^{1, 2}

USDA Loans to Purchase, Build, or Rehab ¹

3% to 5% Down Payment Options ¹

Jumbo Loans for Larger Loan Amounts ²

Programs have income and purchase price restrictions based on income and location. Please check with your loan officer for details.
Former service members must have qualifying discharge confirmed by lender via certificate of eligibility from the Veteran’s Administration Department