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¹For a conventional loan, the minimum down payment requirement typically ranges from 3% to 20% of the purchase price, depending on factors such as credit score, loan type, and property use. Borrowers with higher credit scores and strong financial profiles may qualify for lower down payment options, while certain loan programs or investor guidelines may require larger deposits. It is important to note that making a down payment of less than 20% may require private mortgage insurance, which can increase your monthly payment. The exact down payment amount will be determined during the loan approval process based on your individual financial situation and the specific requirements of the lender.
¹FHA Loans are not limited to first-time homebuyers and are available to any borrower who meets FHA guidelines. A first-time homebuyer is generally defined as someone who has not owned a principal residence in the past three years, or who previously owned a home only under circumstances such as being a single parent or displaced homemaker, owning a property not permanently affixed to a foundation, or owning a property that was not up to code and could not be brought into compliance cost-effectively. Regardless of first-time homebuyer status, FHA Loan eligibility is determined by factors such as credit, income, and property requirements.
²For FHA Loans, borrowers with a credit score of 580 or higher may qualify for a 3.5% down payment, while those with a credit score below 580 are required to make a 10% down payment. These minimums are subject to FHA eligibility guidelines and lender requirements.
¹For 2025, the baseline conforming loan limit for a one‑unit property in most of the United States is $806,500, representing a 5.2 % increase from 2024. (FHFA.gov) For 2026, the baseline limit will rise to $832,750, a further increase of approximately 3.26 % over 2025. (Fannie Mae)
²For Jumbo Loans, borrowers are typically required to maintain between six (6) and twelve (12) months of their total Principal, Interest, Taxes, and Insurance (PITI) payments in liquid reserves. These reserves must be readily accessible and are in addition to any down payment or closing costs, serving as a financial cushion to ensure the borrower can continue making mortgage payments even in the event of unforeseen circumstances.
¹For loans using the Debt Service Coverage Ratio (DSCR) qualification, borrowers must have a DSCR of at least 1.00, meaning that the property’s monthly rental income must be equal to or greater than the monthly housing costs, including Principal, Interest, Taxes, and Insurance (PITI). This ensures that the property generates sufficient income to cover its own debt obligations.
¹USDA Loans offer a no down payment requirement, allowing eligible borrowers to finance 100% of the home’s purchase price, making homeownership more accessible without the need for an upfront cash contribution.
²For USDA loans, the household’s adjusted gross income must be less than 115% of the area’s median income, ensuring that the program assists moderate‑ to low‑income borrowers in eligible rural areas.
³To qualify for a USDA Loan, the property must be located within a USDA-designated eligible area, which can be confirmed using the eligibility map at https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do.
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Ginger L., Florida
“Dylan was great to work with! Very knowledgeable about today's mortgage lending, great communication and patience. We got the home closed for our clients!.”
Terri H., Florida
“Dylan was outstanding and essential to our mortgage process. He took the ball and ran with it. We didn't have to worry one minute about anything in the entire process because he kept us informed every step of the way...”
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