25% Down FHA Loan

Best-tier pricing and the common minimum on investment and DSCR loans.

Down Payment %

25%

On a $400K Home

$100,000

Loan Amount

$300,000

Sample Price

$400,000

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NMLS# 1859012 · Equal Housing Lender

25% Down · FHA

25% Down FHA Loan in Florida

On an FHA loan, 25% down works within FHA's 3.5% minimum and flexible 580-score guidelines. FHA carries an upfront and monthly mortgage insurance premium, but it forgives thinner credit and higher debt than conventional — and it pairs cleanly with Florida assistance to cover the cash.

Twenty-five percent down earns the best-tier conventional pricing and is the common minimum on investment property and DSCR loans. It is the territory of investors and buyers who want the lowest possible rate.

On a $400,000 home, 25% down is $100,000. On a primary residence, this much equity often qualifies you for the lender's best rate tier. On a rental, 25% down is frequently the floor that DSCR and investment loans require before they will lend.

For investors, the larger down payment also strengthens the debt-service-coverage ratio that drives DSCR approval. We structure the down payment to hit the pricing or DSCR target rather than just meeting a minimum.

25% Down at a Glance

✓Best-tier conventional rate pricing on a primary home.

✓Common minimum down payment on DSCR and investment loans.

✓Strengthens the DSCR ratio for rental approvals.

✓No PMI and a low, stable monthly payment.

Read the full 25% down guide, or compare other loan types: Conventional · First-Time Buyers · Florida.

25% Down Snapshot

25%Down Payment %

$100,000On a $400K Home

$300,000Loan Amount

$400,000Sample Price

How It Works

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders + assistance

Processing

Our team handles paperwork

Typically 14–21 days

FAQ

25% Down FHA Loan Questions

Does 25% down work with an FHA loan in Florida?

Yes. FHA's 3.5% minimum and forgiving credit rules make it a natural fit, and 25% down stacks with Florida Hometown Heroes to lower your cash to close. We confirm the FHA numbers against your file before you apply.

Why do investment properties need 25% down?

Lenders treat rentals as higher risk than owner-occupied homes, so they require more equity — usually 20% to 25%. A 25% down payment also improves the DSCR ratio, which can lower your investment loan rate. We shop the investor lenders with the lowest requirement.

Does 25% down get me a better rate?

On a primary residence, yes — most lenders give their best pricing once you cross certain equity tiers, and 25% clears them comfortably. The gain over 20% is usually small on a primary home but can be larger on an investment loan.

Keep Going

25% Down Guide 25% Down · Conventional 25% Down · First-Time Buyers 25% Down · Florida All Down Payment Options Apply for Pre-Approval

25% Down FHA Loan?

A licensed Florida mortgage broker who shops the loan and the assistance for you — 5-minute pre-approval, honest numbers.

(561) 300-0380

Figures are illustrative only and based on a sample purchase price. APR, payments, and assistance amounts vary by credit score, loan amount, income, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.