Purchase
Low down payment purchase
Agency and specialty programs that keep cash to close lower for qualified buyers.
- Lower cash to close
- First-time and repeat buyers
- Income limits may apply
Who it is for
Buyers who have income and credit but want to preserve cash for closing costs, reserves, or improvements.
Low-down purchase programs exist so qualified buyers are not locked out by cash. We match the product to occupancy, income limits, and the property type — then show the monthly payment with mortgage insurance included.
Questions
- Are there income caps?
- Some low-down agency products have area income limits. We check that before you spend earnest money.
- Is mortgage insurance required?
- Usually yes until you reach a conventional equity threshold, unless a government program is used instead.
Related programs
- FHA
Lower down payment and more flexible credit for owner-occupied purchases.
- Accessible conventional
Conventional programs designed for qualified buyers with modest down payments and education requirements.
Ready to structure a file that can actually close?
Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.