🏠 First-Time Buyers Guide: Are Zero Down Mortgages Still Available in 2025? 💸

💰 Zero Down Loan Programs in 2025: Still Possible for Homebuyers? 🏡

September 05, 2025•2 min read

💰 Zero Down Loan Programs in 2025: Still Possible for Homebuyers? 🏡

🏠 First-Time Buyers Guide: Are Zero Down Mortgages Still Available in 2025? 💸

💰 Zero Down Loan Programs in 2025: Do They Still Exist?

Buying a home without a down payment sounds like a dream—but in 2025, is it still possible? With rising home prices and changing mortgage guidelines, many buyers are wondering if zero down loan programs are still around. The good news: they do exist, but qualifying depends on your situation.

✅ What Is a Zero Down Loan Program?

A zero down loan allows homebuyers to purchase a property without making the traditional 3%–20% down payment. Instead, the financing covers 100% of the purchase price. While rare, these programs remain valuable options for buyers who qualify.

🏠 Zero Down Options in 2025

1. VA Loans (Veterans Affairs)

o Available to veterans, active-duty service members, and some surviving spouses.

o 0% down, no private mortgage insurance (PMI).

o Flexible credit score requirements.

2. USDA Loans (U.S. Department of Agriculture)

o For rural and some suburban buyers.

o 0% down with income and property location eligibility.

o Low mortgage insurance costs compared to FHA loans.

3. Down Payment Assistance (DPA) Programs

o State and local programs may cover your down payment or closing costs.

o Some lenders combine these with FHA or conventional loans.

4. Doctor & Professional Loans

o Specialized programs for doctors, dentists, and certain professionals.

o Often allow 0%–5% down with higher loan limits.

⚖️ Pros and Cons of Zero Down Loans

Pros:

· Keep more cash in savings.

· Become a homeowner sooner.

· Programs often have competitive interest rates.

Cons:

· Higher monthly payments compared to loans with larger down payments.

· May require stricter income or property qualifications.

· Limited availability based on profession or location.

💡 Is Zero Down Right for You?

Zero down loans in 2025 can be a game-changer, especially for first-time buyers, veterans, or professionals like doctors and dentists. However, it’s important to compare loan options and consider your long-term financial goals.

👉 Working with a mortgage broker gives you access to multiple programs, including VA, USDA, and DPA options. With the right guidance, you can find out if a zero down loan is the right move for your home purchase in 2025.

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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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