First-Time Homebuyer Programs · DC, MD & VA
You don't need 20% down
to buy your first home.
We specialize in 0% and 1% down payment programs for first-time buyers in the DMV. Our services cost you nothing — lenders pay us directly.
0%
Down with FHA + DPA
1%
Down Conventional (680+ credit)
620+
Minimum Credit Score (FHA)
$0
Broker Fees to You
Programs built for first-time buyers
You have more options than you think. Here's what's available right now.
0% Down
FHA + Down Payment Assistance
- 620+ credit score
- DPA covers down payment & closing costs
- TRIO program: ~90% approval rate
- Non-occupant co-borrowers allowed
- Income limits may apply
1% Down
1% Down Conventional
- 680+ credit score required
- Lender contributes 2% grant
- No income restrictions on some programs
- Better rates than FHA for strong credit
- No upfront MIP
50% Off List Price
FHA Good Neighbor Next Door
- Teachers, first responders, law enforcement
- 50% discount on HUD-listed homes
- Min. 580 credit score
- Must commit to 3-year residency
- DMV area HUD homes available
3.5% Down
Standard FHA Loan
- 580+ credit score (500 with 10% down)
- 3.5% down from your own funds
- Gift funds accepted
- No income restrictions
- Up to 96.5% LTV
How it works — start to finish
01
Free Consultation
Tell us your income, credit, and savings. We figure out which programs you qualify for.
02
Program Match
We match you to the right 0% or low-down program and explain every option clearly.
03
Pre-Approval
We get you pre-approved so you can make competitive offers with confidence.
04
Closing Day
We handle every detail from application to closing. You just show up and sign.
Find out what you qualify for — free.
No obligation, no cost, no pressure. We'll tell you exactly which programs fit your situation and what it will take to close.
Response within 24 hours
No credit check to consult
$0 broker fees
Licensed in DC, MD & VA
See If I Qualify — Free
No cost, no obligation. We respond within 24 hours.