No Down Payment FHA Loan

How Florida buyers reach $0 out of pocket through loans and assistance.

Down Payment

Loans

VA · USDA

Other Paths

DPA-stacked FHA

Min Score

~580–620

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Get Pre-Approved in No Down Payment FHA Loan

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

No Down Payment · FHA

No Down Payment FHA Loan in Florida

On an FHA loan, no down payment 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.

A no down payment mortgage means $0 toward the down payment, which VA and USDA loans allow outright. For everyone else, combining down payment assistance with an FHA or conventional loan can reach an effective no-money-down result.

VA gives eligible service members $0 down with no monthly mortgage insurance. USDA offers $0 down in eligible Florida areas within income limits. If neither applies, Florida Hometown Heroes can cover the FHA or conventional down payment, so the only remaining cash is closing costs — which assistance and seller concessions can also cover.

No down payment does not mean no qualifying — you still need acceptable credit, income, and reserves. We confirm the path that gets you closest to zero and show you what is actually due at the table.

No Down Payment at a Glance

✓VA and USDA loans require $0 down for eligible buyers.

✓Assistance covers the FHA / conventional down payment.

✓Seller concessions and credits cover closing costs.

✓You still qualify on credit, income, and reserves.

Read the full no down payment guide, or compare other loan types: Conventional · First-Time Buyers · Florida.

No Down Payment Snapshot

$0Down Payment

VA · USDALoans

DPA-stacked FHAOther Paths

~580–620Min Score

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

No Down Payment FHA Loan Questions

Does no down payment work with an FHA loan in Florida?

Yes. FHA's 3.5% minimum and forgiving credit rules make it a natural fit, and no down payment stacks with Florida Hometown Heroes to lower your cash to close. We confirm the FHA numbers against your file before you apply.

Can I buy a house with no money down in Florida?

Yes, several ways. VA loans (eligible veterans) and USDA loans (eligible areas) require $0 down. For other buyers, stacking Hometown Heroes assistance with an FHA or conventional loan covers the down payment, and concessions cover closing costs. We map your route to zero.

What credit score do I need for a no down payment loan?

VA and USDA lenders generally look for around 620, though some go lower. Assistance-stacked FHA loans start at 580. Your score affects the rate more than eligibility. We tell you where you stand and how to strengthen the file if needed.

Keep Going

No Down Payment Guide No Down Payment · Conventional No Down Payment · First-Time Buyers No Down Payment · Florida All Down Payment Options Apply for Pre-Approval

No Down Payment 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.