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Program Down

0% Down Financing

Program Overview :

Our 0% Down Financing program—also known as 100% FHA financing—offers qualified buyers up to 3.5% of the home's purchase price in down payment assistance (DPA). This program has the potential to make buying a home with little to no down payment upfront easier, potentially allowing you to retain more savings for other needs.

Eligibility & Terms:

  • Income: Must be at or below 160% of the Area Median Income (AMI)
  • Credit Score: Must be 600 or higher
  • Max Loan Amount: The loan amount must fall within the 2025 FHA loan limits
  • Occupancy: You must occupy the property as your primary residence
  • Property Type: Available for single-family and two-unit properties
  • Loan Type: Must be an FHA 30-year fixed mortgage
  • Down Payment Assistance: Up to 3.5% of the property's value
  • Loan Holding Requirement: You must hold the loan for at least 3 years

* This is not a commitment to lend. We encourage all borrowers to contact our Loan Officers to confirm eligibility and discuss the best financing options available.

Find Out If You Qualify

See if you meet the requirements in minutes

0% Down Financing

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What's your FICO score?

Will you occupy the property as your primary residence?

What is the property’s ZIP code?

Is your total pre-tax income lower than 160% of the Area Median Income (AMI)?

What is the home’s purchase price?

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Great news!
You’re one step closer to owning your dream home
with our 0% Down Financing program.

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To move forward, please provide your contact details. One of our loan officers will reach out to confirm your eligibility and guide you through the entire process.

Unfortunately, you’re not eligible for
the 0% Down Financing program at this time

Reason(s):

  • Your credit score does not meet the program’s requirement at this point (below 620).
  • This program is intended for primary residence purchases only.
  • Your income exceeds the allowable limit for the property's area (160% of the area median income - AMI).
  • The estimated loan amount, based on 96.5% of the property's value, exceeds the FHA loan limit for that area.

But don’t worry - This isn’t your only option.
We have other loan programs that might be a great fit for you.

Please share your contact details below and one of our Loan Officers will be in touch to walk you through your options and help find the best program for your needs.

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