Helping Families Finance Dream Homes Since 2006

What is the minimum down payment for conventional, FHA, and VA loans?

While conventional loans (those not backed by a government agency) usually require a minimum down payment of 5%, we also have other low-down payment programs.

  • FHA mortgages are available for as little as 3.5% down. Although FHA loans have the benefit of a low down payment, in many instances, FHA may be a more expensive financing option and should be considered after thoroughly evaluating all other product options that meet your credit qualifying and financial needs.
  • VA mortgages have a no-down payment option for eligible veterans.