Buying A Home In Florida With No Down Payment May 2026

If you don’t qualify for a VA or USDA loan, you can use a standard mortgage (like FHA or Conventional) paired with state programs that cover the down payment. Homebuyer - Florida Housing Finance Corporation

: No official minimum from the VA, but Florida lenders often require a 600-620 FICO . buying a home in florida with no down payment

Buying a home in Florida without a down payment is primarily possible through specialized government-backed mortgages or state-sponsored assistance programs that bridge the gap for first-time and eligible repeat buyers. 1. Zero-Down Government-Backed Mortgages If you don’t qualify for a VA or

: Available to veterans, active-duty service members, and eligible surviving spouses. Down Payment : 0% required. : Must meet income limits (typically 115% of

: Must meet income limits (typically 115% of the area median income) and the property must be in a USDA-eligible zone . Credit Score : Typically requires a minimum of 640 . 2. Florida State Down Payment Assistance (DPA)