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How to Buy a Home with a Low Down Payment in 2025

Loan Programs
April 24, 2025•2 min read

Do You Really Need 20% Down?

Nope. That’s one of the biggest myths in real estate. In 2025, there are multiple loan programs that allow you to buy a home with 3–5% down, or even 0% down in some cases.

Top Low Down Payment Loan Options

1. FHA Loan – 3.5% Down

2. Conventional 97 – 3% Down

3. VA Loan – 0% Down

4. USDA Loan – 0% Down

Using Down Payment Assistance (DPA) in Florida

Florida offers DPA programs that can:

📞 Ask Tim Lyons what programs you qualify for!

Tips for Getting Approved with a Low Down Payment

  1. Boost your credit score – even small improvements help

  2. Avoid opening new credit before applying

  3. Document income clearly (W-2s, paystubs, 1099s, etc.)

  4. Use gift funds smartly – document the transfer clearly

Final Thoughts

Low down payment doesn’t mean low success. With the right guidance, you can buy your Florida dream home without draining your savings.

📞 Contact Tim Lyons today to explore your low down payment options and get pre-approved.

Required Disclosure

Loan approval is not guaranteed and is subject to underwriting guidelines, including credit, income, assets, and property evaluation.

These materials are not from HUD or FHA and were not approved by HUD or a government agency.
NMLS #2182927 | Equal Housing Lender

👤 Tim Lyons
Licensed Mortgage Broker – Florida & Ohio
Helping first-time and low-down buyers get into homes they love.

Tim Lyons is a licensed mortgage loan originator in Florida and Ohio.

Tim Lyons

Tim Lyons is a licensed mortgage loan originator in Florida and Ohio.

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