• Conventional (fixed and adjustable rates)

  • FHA (Federal Housing Administration)

  • Jumbo loans (>$832,750 as of 2026)

  • VA (0% down payment)

  • USDA/Rural Development (0% down payment)

  • Down Payment Assistance (DPA)

  • HELOCs / Second Mortgages

  • Non-QM / Bank Statement Loans

  • DSCR Investor Loans (Debt Service Coverage Ratio)

  • Reverse Mortgages (62 years and older)

 

Click the + to read more about each loan program.

 

    • As low as 3% down payment

    • Mortgage insurance cancellable

    • 100% funds can be gifted

    • Non-occupying co-borrowers allowed

    • Mortgage insurance required

    • 3.5% minimum down payment

    • $541,287 maximum loan size

    • Suited for lower credit/income borrowers

    • No mortgage insurance required

    • 0% down payment/100% financing

    • Certificate of Eligibility required

    • Low monthly mortgage insurance

    • 0% down payment/100% financing

    • Subject to income & property eligibility (use tool below)

    • Excellent product to help seniors live a better retirement

    • No monthly payments as long as they reside in their home

    • borrower maintains full property ownership

 
 

Use the search tool below to see if a property qualifies for USDA 0% Down Payment Mortgage:

USDA Eligibility tool
Click to apply for a mortgage