Low & No Money Down Mortgage Programs Cheap!

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The Lowdown on Low and No Money Down Loans...

Low & No Money Down

We Offer a Variety of Low & No Money Down Mortgage Programs in Florida

Want to buy a home but have little to no money to put towards a down payment or closing costs? At Carbon Capital we likely have a low or zero down mortgage solution that may work for your situation.

Call us today at (904) 513-8000 for a free consultation or complete a FAST PREQUAL FORM.


Below are some of the most popular products we offer:


Fannie Mae program designed for low to moderate income borrowers. Minimum of 3% down required. Funds may come from multiple sources including gift funds, grants, and community seconds (if available).  Minimum credit score of 680.

Home Possible Advantage 

Similar to HomeReady. This Freddie Mac program requires a minimum of 3% down. 30 year fixed rate mortgages. Down payments can come from variety of sources including family members, employer-assistance programs, and secondary financing.

USDA Rural Housing Loans

100% financing solution for lower and middle income borrowers in designated USDA rural areas. Don’t let the name fool you. There are plenty of USDA eligible areas right outside of metropolitan areas. Lower credit scores may be ok.

VA Loans

$0 down mortgage programs for eligible military veterans, active duty personnel, and surviving spouses. Credit requirement less strict than conventional loans. Seller paid closing costs may be allowed. Low rates.

FHA Loans

3.5% down payment required. Credit score requirements lower than most conventional financing solutions.

Not sure which low or no money down mortgage program is right for you? Call us today at (904) 513-8000 for a free consultation.

Minimum Down Payment By Program*

HomeReady = 3%
Home Possible Advantage = 3%
USDA Rural Housing Loans = 0%
VA Loans = 0%
FHA Loans = 3.5%

*Additional terms and conditions may apply. Ask your Carbon Capital Mortgage Originator to see if you may qualify and explore down payment assistance funding options.

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