Zero Down Conventional Loan

VA, USDA, and stacked assistance can get qualified Florida buyers in with nothing down.

Down Payment

Paths

VA · USDA · DPA

PMI

None on VA

Florida

Available statewide

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Get Pre-Approved in Zero Down Conventional Loan

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Zero Down · Conventional

Zero Down Conventional Loan in Florida

On a conventional loan, zero down avoids FHA's upfront premium and uses PMI that cancels at 20% equity instead of lasting the loan's life. For a buyer with a 680+ score, the conventional route is often cheaper per month — we run it against FHA so you see the real difference.

A true zero down mortgage is real in Florida through VA and USDA loans, and you can reach an effective zero with conventional or FHA financing by stacking down payment assistance. The path depends on who you are and where you are buying.

VA loans give eligible veterans and active-duty service members $0 down with no monthly mortgage insurance. USDA loans offer $0 down in eligible Florida towns and rural areas, subject to income limits. Between them, a large share of Florida buyers qualify for genuine zero down financing.

If neither fits, Florida Hometown Heroes and county assistance can cover the FHA or conventional down payment, bringing your cash to the table close to zero. We check VA and USDA eligibility first, then layer assistance to fill any gap.

Zero Down at a Glance

✓VA loans: $0 down, no PMI, for eligible service members.

✓USDA loans: $0 down in eligible Florida areas.

✓Hometown Heroes assistance covers FHA / conventional down payments.

✓We confirm which true-zero path you qualify for first.

Read the full zero down guide, or compare other loan types: FHA · First-Time Buyers · Florida.

Zero Down Snapshot

$0Down Payment

VA · USDA · DPAPaths

None on VAPMI

Available statewideFlorida

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

Zero Down Conventional Loan Questions

Is zero down better on a conventional loan?

For stronger credit, often yes. Conventional skips FHA's upfront mortgage insurance and its PMI eventually cancels, so the long-run cost can be lower. We compare zero down on conventional versus FHA for your exact numbers.

Can I really buy with zero down in Florida?

Yes. VA loans require $0 down for eligible veterans and service members, and USDA loans require $0 down in eligible Florida areas. If you do not qualify for either, stacking down payment assistance with an FHA or conventional loan can bring your cash to close near zero.

Which zero down loan is best?

If you are eligible, VA is usually the strongest — $0 down and no monthly mortgage insurance. USDA is excellent in eligible areas with income within limits. We check both before considering an assistance-stacked FHA or conventional path.

Keep Going

Zero Down Guide Zero Down · FHA Zero Down · First-Time Buyers Zero Down · Florida All Down Payment Options Apply for Pre-Approval

Zero Down Conventional 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.