Loan Options • Low Down Payment Options
Low down payment purchase options
You may not need as much saved as you think. Several loan programs are designed to help you buy with a smaller down payment.
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At a glance
- Conventional low down payment programs
- FHA loans
- VA and USDA loans for eligible borrowers
- Down payment assistance where available
Talk with a licensed loan officer
Is it right for you?
Who they are for
These options help first-time buyers, growing families and anyone who would rather keep more cash in the bank after closing.
Good to know
- A smaller down payment usually means mortgage insurance or a funding fee.
- Gift funds from family can often be used.
- We will compare your total costs, not just the down payment, so you can choose wisely.
How it works
- Talk with usA quick, no-pressure call about your goals and budget.
- Apply onlineA secure application you can finish in minutes.
- Review your optionsClear numbers side by side so you can choose with confidence.
- CloseRegular updates from approval to the closing table.
FAQs
Common questions
Which loan needs the least money down?
It depends on your eligibility. VA and USDA loans are designed to minimize upfront costs for eligible borrowers, and FHA and conventional programs also offer low down payment options.
Can a family member help with my down payment?
Often, yes. Most programs allow documented gift funds from family members.
Will I have to pay mortgage insurance?
With most low down payment loans, yes. Conventional mortgage insurance can be removed later once you build enough equity.
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, property eligibility and program availability. Not all applicants will qualify. Terms and programs may change without notice. FLO Mortgage, Company NMLS #1835856. Equal Housing Opportunity. Licensing & Disclosures.
Related loan options
Ready to see your numbers?
Answer a few quick questions and a local loan officer will follow up with your options.