Buy Your Home With the Right Loan
From zero-down VA and USDA loans to 3% conventional programs, get pre-approved fast so you can compete—and win—in today's market.
Down Payment Options at a Glance
A quick look at how little you may need down, depending on the program you qualify for.
VA Loan
Veterans/Military
USDA
Rural Areas
FHA
580+ Credit
Conv. 97
First-Time
Conv. 20%
No PMI
FHA + Grant: as low as 0-1% down
Combine FHA's 3.5% with a nationwide down payment grant and bring very little to closing.
Explore Loan Programs
Choose a program to see full details, requirements, and how to qualify.
“As first-time buyers in a competitive Silicon Valley market, we were nervous. Emmett got us pre-approved in 24 hours and found an FHA loan with just 3.5% down. We closed in 32 days—our offer beat out 5 others because we had solid financing.”
Michael & Jennifer T.
First-Time Buyers • San Jose, CA • FHA Loan
Find Your Perfect Loan Program
Use this interactive calculator to see which programs match your down payment—VA eligibility, USDA options, and more, all in one place.
Purchase Loan Calculator
See which programs fit your down payment
VA/USDA
Conv 97
FHA
No PMI
Loan Programs Available at 10% Down:
PMI Required: Private Mortgage Insurance applies until you reach 20% equity ($80,000 down or $320,000 loan balance)
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Read more Home BuyingCan I Use Income From Two Jobs to Qualify?
Read more
Emmett Clark
Licensed Mortgage Loan Officer · NMLS #233747 · 20+ Years Experience
This article has been reviewed for accuracy by Emmett Clark, a licensed mortgage professional serving homebuyers across 18 states including California, Texas, Florida, Arizona, and Colorado. Last updated: July 2026.
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Licensed in 18 states • NMLS #233747 • View all licenses