Zero Down FHA 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

Call Now

Get Pre-Approved in Zero Down FHA Loan

5 minutes · No cost · Soft credit pull only

I consent to receive SMS from HomeMTG.loans. Reply STOP to opt out. Msg & data rates may apply. (Optional)

NMLS# 1859012 · Equal Housing Lender

Zero Down · FHA

Zero Down FHA Loan in Florida

On an FHA loan, zero 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.

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: Conventional · 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 FHA Loan Questions

Does zero down work with an FHA loan in Florida?

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

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

Zero 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.