Low Down Payments. Straight Answers.
FHA, VA, USDA, and Conventional loans explained in plain English.
Your Down Payment Options
Each program has different requirements. Find the right fit.
FHA Loans
3.5% down payment
- Credit scores 580+
- Flexible debt ratios
- Gift funds allowed
- Mortgage insurance required
VA & USDA Loans
0% down payment
- VA: Veterans & active duty
- USDA: Rural area purchases
- No PMI on VA loans
- Competitive interest rates
Conventional Loans
3% down payment
- Credit scores 620+
- PMI cancellable at 20% equity
- Stable income required
- Best rates for strong credit
Frequently Asked Questions
It depends on your situation. FHA is great for flexible credit, VA/USDA for zero down, and Conventional for strong credit profiles. We'll help you decide.
FHA has easier credit requirements but permanent mortgage insurance. Conventional has stricter credit rules but you can cancel PMI later.
VA loans are for veterans, active-duty service members, and eligible surviving spouses. We can check your eligibility quickly.
USDA loans work in rural and some suburban areas. Many locations in Maryland qualify—it's worth checking even if you don't think you're "rural."
Ready to See Your Options?
Find out which low-down-payment loan fits your situation.