If coming up with a down payment is a struggle, an alternative to buying a house with no money down is an FHA loan. The FHA does not offer a no-money down loan. However, they do allow for loans with a down payment as low as 3.5% of the home’s purchase price. Lenders offing a FHA loan are also restricted in the fees they are allowed to charge you.

Check out the web’s best free mortgage calculator to save money on your home loan today. Estimate your monthly payments with PMI, taxes, homeowner’s insurance, HOA fees, current loan rates & more. Also offers loan performance graphs, biweekly savings comparisons and easy to print amortization schedules.

A big down payment is a smart way to keep your mortgage payments low – but not. Zero-down loans are, for the most part, a thing of the past.

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While on a conventional mortgage it is ideal to have 20 percent down, there are other types of mortgages that don’t require such a hefty down payment. FHA loans You don’t get out of it just because you hit 20 to 22 percent equity.

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Would you like to see if you qualify for down payment assistance? We can help you see what programs may be available to you to assist with the costs of your down payment. Fill out the form below and we will review what programs exist in your area (most down payment assistance programs are.

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For many homebuyers, finding a 20 percent down payment for a new home is no easy feat. People who can’t scrape together this money must pay private mortgage insurance (pmi) until their home appreciates to an 80 percent loan-to-value ratio. At that point, they can refinance away the PMI.

 · Check out these four mortgage loan programs that may make your homeownership dream a reality. FHA Loans. FHA loans allow you to get into a home with a down payment as little as 3.5 percent. In addition, this loan is a great option for someone who’s working on their credit and gives options for a lower credit score qualification.

FHA Loan. Loans insured by the federal housing administration (fha) are a great option for people with less than perfect credit, who might not otherwise qualify for a mortgage. Down payment options as low as 3.5%; Gift funds can be used toward down payment and/or closing costs; Fixed-.