3% Down Loan
Get into your new home with as little as 3% down
Choose a cost-saving loan with competitive rates and affordable monthly payments.
Today's 3% Down Loan rates
Discover competitive rates, updated daily.
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Schedule a callRates as of February 16, 2026
See assumptions3% Down Loan benefits
- Start building equity sooner with a lower down payment
- Maintain financial stability without depleting your savings account
- Benefit from home value appreciation earlier
- Lock in stable housing costs with a fixed-rate loan option
- Return to us for refinancing or home purchases with $0 bank fees
Eligibility requirements
- Minimum credit score of 620, exceptions may be considered
- Debt-to-icome ratio of typically up to 43%, with some flexibility
- Stable employment and income history for the past two years
- Property must be primary residence, not an investment property
- Private mortgage insurance (PMI) will be required until you reach 20% equity in your home
Explore other loan types
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No hidden fees. No surprises. We offer transparent loans and operate on strict timelines to meet your closing goals.