Buying A House With Less Than 20 Down 100%

: Usually ranges from 0.5% to 1.5% of the loan amount annually, added to your monthly payment.

Lenders offer several programs designed for buyers who cannot or choose not to meet the 20% threshold: buying a house with less than 20 down

: Backed by the Federal Housing Administration, these require only 3.5% down and are more flexible for those with lower credit scores (minimum 580). : Usually ranges from 0