Buy Your Home With Less Money Down
Explore loan options that require as little as 0% to 3.5% down.
Ideal for first-time buyers, young families, and anyone short on upfront funds.
What Are Low Down Payment Loans?
These are mortgage programs designed to lower the entry barrier for homeownership. They require smaller down payments than conventional loans and are often paired with grants or assistance programs.
How It Works
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Who Qualifies?
🧑🎓 First-time homebuyers
💰 Moderate-income households
📊 Buyers with fair to good credit
🎖️ Veterans or rural-area residents (for VA and USDA loans)
Why Buyers Choose Low Down Payment Options:
💸 Keep more cash in your pocket
📉 Down payments as low as 0–3.5%
🏡 Get into a home faster
🎯 Ideal for first-time or lower-income buyers
🎁 Often works with assistance or grant programs
Low Down Payment FAQs
Q: Are 0% down options really available?
Yes! VA and USDA loans offer true zero-down financing if you qualify.
Q: Can I still get help with closing costs?
Absolutely. Many programs allow seller credits or local assistance.
Q: Can I refinance an existing loan?
Yes! Use the VA IRRRL for rate reduction or cash-out to access equity.
About Us
At The Federal Savings Bank, we make home financing easy. Whether you're buying, refinancing, or just exploring options, we’re here to help. Located at 1150 South Ave, Suite 304B, Staten Island NY 10314, we offer competitive rates, great service, and a smooth and fast loan process from start to finish.
Company NMLS: 411500
Equal Housing Opportunity
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Disclosures and License Information
Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))