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Zero Down · First-Time Buyers

Zero Down for First-Time Buyers

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

Down Payment
$0
Paths
VA · USDA · DPA
PMI
None on VA
Florida
Available statewide
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Get Pre-Approved in Zero Down for First-Time Buyers
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Zero Down · First-Time Buyers

Zero Down for First-Time Buyers in Florida

For first-time buyers, zero down is usually about pairing the loan with Florida assistance. First-time buyers qualify for Hometown Heroes and SHIP help, which can cover most of the cash to close, and a soft-pull pre-approval makes your offer credible. We line both up before you tour homes.

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 · Conventional · Florida.

Zero Down Snapshot
$0Down Payment
VA · USDA · DPAPaths
None on VAPMI
Available statewideFlorida
How It Works
01
Apply Online
5 min · soft credit pull only
02
Match Program
We shop lenders + assistance
03
Processing
Our team handles paperwork
04
Close
Typically 14–21 days
FAQ

Zero Down for First-Time Buyers Questions

Is zero down good for first-time buyers in Florida?

Yes. First-time buyers can pair zero down with Hometown Heroes (up to $35,000) and county SHIP grants, which often cover most of the cash needed. We map your exact cash to close and get you pre-approved first.

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.

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Zero Down GuideZero Down · FHAZero Down · ConventionalZero Down · FloridaAll Down Payment OptionsApply for Pre-Approval

Zero Down for First-Time Buyers?

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.