Florida
Zero Down and Down Payment Help in Florida
100% financing routes that actually exist. I am licensed in Florida and I shop this across 175+ lenders.
You do not need 20% down. You may not need anything down.
The routes to zero
VA. Nothing down, no mortgage insurance, for eligible service members and veterans. The best loan in the country.
USDA. Nothing down in eligible rural areas, and the eligible map covers more of Florida than people expect.
Down payment assistance. A second lien or a grant that covers the down payment on an FHA or conventional first. Some are forgivable, some are repayable, some are deferred until you sell. Stack one on an FHA loan and you are at 100% financing.
What it looks like here
At the Florida median ZIP value of $344,922, a 3.5% FHA down payment is $12,072 — and assistance programs can cover that.
At this price level, assistance programs often cover the whole down payment and some of the closing costs.
The catch, stated plainly
Zero down means a bigger loan and a bigger payment. It usually means mortgage insurance. Assistance programs have income caps, and most require a homebuyer education course. Some have to be repaid when you sell or refinance.
None of that makes it a bad deal. It makes it a deal you should understand before you sign.
Where this sits in Florida
Median ZIP value across Florida is $344,922 across 924 ZIP codes. The cheaper tenth of ZIPs run near $222,360 and the top tenth near $662,743. That spread matters: the same program behaves very differently at $222,360 than it does at $662,743.
| Largest metro | Median value | ZIP codes |
|---|---|---|
| Miami-Fort Lauderdale-Pompano Beach | $497,131 | 181 |
| Tampa-St. Petersburg-Clearwater | $362,639 | 129 |
| Orlando-Kissimmee-Sanford | $386,780 | 90 |
| Jacksonville | $314,510 | 59 |
| North Port-Sarasota-Bradenton | $388,529 | 43 |
Zillow public home value index, as of 2026-08-31. Market data, not an appraisal of your property and not a quote.
More detail on the program itself is on my zero down and down payment help page, and the rest of what I write in the state is on the Florida mortgage broker page.
Get a free rate quote.
No application. No credit pull. A written comparison across 175+ lenders, with the APR on each.
Let's look at your numbers
Questions people ask
Do you write zero down and down payment help in Florida?
Yes. I am licensed in Florida under NMLS #487617 and I shop this program across 175+ lenders rather than offering one lender's version of it.
What is the median home value in Florida?
About $344,922 across 924 ZIP codes, from Zillow's public home value index as of 2026-08-31. Your own ZIP may be well above or below that.
How do I start?
Send me your numbers or book fifteen minutes. No credit is pulled to start and there is no application to get a comparison.
Do I need to live in Florida to use this?
No. The property has to be in a state I am licensed in. Where you live does not matter, and a good share of my Florida files are for people who live somewhere else.
How many lenders do you actually compare?
175+. A bank can only offer its own product, so if you do not fit it you hear no. I put the ones that fit side by side with the APR on each, and if your current deal already wins I will tell you.
What does it cost to talk to you?
Nothing. I am paid when a loan closes and the compensation is disclosed on your Loan Estimate. If the answer is to keep what you have, it cost you fifteen minutes.
Let’s look at your numbers
Fifteen minutes. Your real numbers. No pressure.
Call or text my cell, or book a time. You’ll get a written comparison with real terms and an APR on every option, and if your current deal already wins, I’ll tell you.