{"id":6390,"date":"2022-09-19T13:53:13","date_gmt":"2022-09-19T18:53:13","guid":{"rendered":"https:\/\/www.morty.com\/resources\/?p=6390"},"modified":"2022-09-20T13:17:00","modified_gmt":"2022-09-20T18:17:00","slug":"low-down-payment-loan-options","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/the-morty-report\/low-down-payment-loan-options","title":{"rendered":"The lowdown on low-down payment mortgages"},"content":{"rendered":"\n

A new zero-down option, plus more ways to put down less on your home<\/h2>\n\n\n\n

This week, Bank of America announced a \u201cno-down\u201d mortgage program called the Community Affordable Loan Solution<\/a>, aimed at closing the racial homeownership gap. It\u2019s the latest of various no- and low-down payment mortgage options<\/a>, as growing numbers of buyers seek more affordable paths to becoming homeowners.<\/p>\n\n\n\n

Government-backed options such as FHA loans<\/a> are among the most well-known, offering buyers more lenient credit score requirements and down payments as low as 3.5% \u2013 a good fit for many first-time homebuyers. VA and USDA loans<\/a> also have varying low and no down payment options for qualified military veterans and homebuyers in rural communities. <\/p>\n\n\n\n

But there are also a number of conventional options that can offer similar benefits. Fannie Mae\u2019s HomeReady program<\/a>, for example, offers first-time buyers who meet certain income requirements the option to put down as little as 3%. Fannie Mae\u2019s standard 97% LTV mortgage offers similar terms to buyers without the income restrictions. <\/p>\n\n\n\n

Other non-traditional options such as rent-to-own and down payment assistance programs<\/a> can also make it possible to buy a home without having a significant down payment saved. While rates, inflation, and home prices may be out of your control, it\u2019s exploring other tools and solutions that can help to make homeownership more affordable.

– Robert Heck, Vice President of Mortgage @ Morty<\/a><\/p>\n\n\n\n

Which low-down payment option is right for me?<\/h2>\n\n\n\n
<\/th>Home Ready<\/th>FHA<\/th>Conventional 97<\/th><\/tr><\/thead>
Gov’t Backed<\/td>\u274c<\/td>\u2714\ufe0f<\/td>x<\/td><\/tr>
Min. Down Payment<\/td>3%<\/td>3.5%<\/td>3%<\/td><\/tr>
Cancellable Mortgage Insurance<\/td>\u2714\ufe0f<\/td>No, if <10% down<\/td>\u2714\ufe0f<\/td><\/tr>
Required Education Course<\/td>\u2714\ufe0f<\/td>\u274c<\/td>\u2714\ufe0f<\/td><\/tr>
DTI Limit<\/td>50%<\/td>43%<\/td>43%<\/td><\/tr>
Min. FICO score<\/td>620+<\/td>500+<\/td>620+<\/td><\/tr>
Total Loan Limit<\/td>$647,200<\/td>$420,680<\/td>$647,200<\/td><\/tr>
Qualifying Income Limit<\/td>80% AMI*<\/td>None<\/td>None<\/td><\/tr><\/tbody><\/table>
*AMI= Area Median Income.
Chart info based on the majority of typical cases.<\/figcaption><\/figure>\n\n\n\n
\"\"<\/a><\/figure>
\n

Want to know what you can afford?<\/p>\n\n\n\n

\n
VIEW Mortgage RATES<\/a><\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

The new Community Affordable Loan Solution, Bank of America’s “no-down” mortgage program, is only one of a growing number of no- and low-down payment mortgage options. <\/p>\n","protected":false},"author":30,"featured_media":6392,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"yes","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[611],"tags":[246,43,143,79,572,564,256],"series":[562],"class_list":["post-6390","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-the-morty-report","tag-conventional-mortgage","tag-down-payment","tag-fha-loans","tag-first-time-homebuyers","tag-homeready","tag-mortgage-rates","tag-usda-loans","series-the-morty-report-newsletter"],"acf":[],"yoast_head":"\nThe lowdown on low-down payment mortgages | Morty Resources<\/title>\n<meta name=\"description\" content=\"Bank of America's new "no-down" mortgage program is only one option. 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href=\"https:\/\/www.morty.com\/resources\/category\/the-morty-report\" rel=\"category tag\">The Morty Report<\/a>","rttpg_excerpt":"The new Community Affordable Loan Solution, Bank of America's \"no-down\" mortgage program, is only one of a growing number of no- and low-down payment mortgage options.","_links":{"self":[{"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/posts\/6390","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/comments?post=6390"}],"version-history":[{"count":19,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/posts\/6390\/revisions"}],"predecessor-version":[{"id":10413,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/posts\/6390\/revisions\/10413"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/media\/6392"}],"wp:attachment":[{"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/media?parent=6390"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/categories?post=6390"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/tags?post=6390"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/series?post=6390"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}