Your first home, step by step
Plain-language guidance from pre-approval to keys, plus low down payment programs and Florida assistance options for eligible buyers.
- DOWN PAYMENT
- Low down payment programs and assistance options
- GUIDANCE
- One loan officer with you at every step
- FIRST STEP
- Check your numbers with our free calculators
Programs for first-time buyers
FHA
Low down payment and flexible credit guidelines.
Conventional low down
Low down payment options for eligible first-time buyers.
Down payment assistance
State and local Florida programs may help with down payment and closing costs.
VA and USDA
No down payment options for eligible borrowers and areas.
Homebuyer education
Courses that some programs require and every buyer can benefit from.
Program availability, terms and eligibility vary by lender and are subject to underwriting approval.
What you'll need
- Income history, commonly the last two years
- Recent pay stubs and bank statements
- Photo ID
- Savings for down payment, closing costs and reserves
- A rough budget for your monthly payment
Debt-to-income
Lenders look closely at your DTI. See where you stand in a minute, with no credit check.
Open the calculatorCommon questions
What credit score do I need?
Requirements vary by program and lender. Some programs work with lower scores than many people expect. A loan officer can review your situation.
How does down payment assistance work?
Assistance programs may offer grants or second loans for down payment and closing costs to eligible buyers. Rules and funding vary by program.
How long does buying a home take?
Many purchases close in about 30 to 45 days after a contract, but getting pre-approved early makes everything faster.
Buying your first home? Start here.
No obligation, and no credit check for the first conversation. A licensed loan officer will reach out within one business day, or pick a time that works for you.