Low Down Payment Options
Get into your home with less money down
We offer multiple loan programs that allow you to purchase a home with a minimal down payment, making homeownership more accessible.
Who Is This Loan For?
- Buyers with limited savings
- Those who prefer to keep cash reserves
- First-time and repeat buyers
Key Benefits
- Down payments as low as 3%
- Multiple program options
- Competitive interest rates
- Keep funds for moving costs and reserves
Common Questions
What is the lowest down payment available?
Depending on your qualifications, down payments can be as low as 0% (VA, USDA) or 3% (conventional) to 3.5% (FHA).
Is mortgage insurance required?
Most low down payment loans require mortgage insurance, which can be removed once you reach 20% equity (except FHA).
Why Park Cities Lending?
As an education-based mortgage company, we take the time to understand your unique situation and guide you through every step of the process. Our commitment is to find the ideal financing solution for your needs, not just close a loan.
What are your goals?