Can I buy a house with no money down in Florida?
Yes. VA loans (for eligible veterans and service members) and USDA loans (in eligible rural areas) both offer 100% financing with no down payment. Both are available across Florida.
If you don't qualify for those, Florida down payment assistance programs like Hometown Heroes can cover the down payment on an FHA or conventional loan, effectively getting you in with little to nothing down. We'll check which no- and low-down path fits you.
The two true zero-down loans
Yes, some Florida buyers close with no money down. Two loan types make it possible. A VA loan asks for zero down if you have qualifying military service. A USDA loan asks for zero down in eligible rural and suburban areas, and much of Florida outside the big cities qualifies.
Both loans still have rules. VA needs a valid Certificate of Eligibility. USDA caps your household income and ties the home to an approved map. We check both boxes for you before you fall for a house.
Low-down paths and hidden costs
No VA or USDA fit? You still have options. FHA loans start at 3.5% down, and Florida down payment assistance can cover that amount. So your out-of-pocket down payment can still reach zero even on an FHA loan.
Remember that closing costs are separate from the down payment. You may still owe a few thousand dollars at the table unless the seller helps or a grant covers it. Call us and we will map the cheapest way in.
Verify the details for your own situation against these government and agency sources: Florida Housing homebuyer programs and CFPB Owning a Home guide.