Compared on what each lender publishesMortgage lenders whose own pages publish a minimum down payment of 3.5% or less on a loan that does not need VA eligibility. Published minimums, not a promise.
Independent research. Every number is checked against the provider's own page and dated. Some links may earn us a commission, which never changes a ranking. How we make money
A lender is listed here when it publishes a minimum down payment of 3.5% or less on at least one loan that does not require VA eligibility (VA loans are covered on their own page). The lowest figure each lender publishes is shown, with the loan types it belongs to.
| Mortgage lenders | Min. credit score | Min. down (non-VA) | Loan types | Fees stated | Verified |
|---|---|---|---|---|---|
 | 580 | 3.5% | Conventional, FHA, VA, Jumbo | Origination fee not published | Oct 14, 2026 |
 | 620 | 3% | Conventional, FHA, VA, Jumbo | Processing fee not published | Oct 14, 2026 |
 | 580 | 1% | Conventional, FHA, VA, Jumbo | Applying is free; fee not published | Oct 14, 2026 |
 | See terms | 3% | Conventional, FHA, VA, Jumbo | $1,495 origination fee | Oct 14, 2026 |
 | See terms | 0% | Conventional, VA, Jumbo… | 1% origination; 1.75% Choice fee | Oct 14, 2026 |
 | See terms | 3% | Conventional, FHA, VA, Jumbo | Fee amounts not published | Oct 14, 2026 |
Each date is when we last checked the provider's own page. Rates and terms can change, so confirm with the provider before you apply.
All-digital direct lender in all 50 states with 3-minute online pre-approval and FHA, VA and jumbo loans
Down payment from 3.5% without VA eligibility. Its own breakdown: 0% on VA, 3.5% on FHA, as low as 5% on conventional, 10.01% on jumbo.
Big-bank lender with 3% down, FHA, VA and jumbo loans to $9.5 million, plus homebuyer grants in eligible areas
Down payment from 3% without VA eligibility. Its own breakdown: 0% on VA, 3% on conventional and DreaMaker, 3.5% on FHA, 15% to 20% on jumbo second homes and investment homes.
Online lender with FHA, VA and jumbo loans, 1% down on ONE+, and a published rate table with its assumptions
Down payment from 1% without VA eligibility. Its own breakdown: 0% on VA, 1% on ONE+, 3% on conventional, 3.5% on FHA, 5% on 15-year loans.
Online bank mortgages with 3% down for first-time buyers, a published $1,495 origination fee and a 90-day rate lock
Down payment from 3% without VA eligibility. Its own breakdown: 0% on VA, 3.5% on FHA, 3% on conventional for qualifying first-time buyers (5% for other borrowers).
Credit union mortgages for military members and families: VA and $0-down loans, no PMI and a free 60-day rate lock
Down payment from 0% without VA eligibility. Its own breakdown: 0% on VA, Homebuyers Choice and Military Choice; conventional fixed requires at least 5%; 3% down on Homebuyers Choice waives the 1.75% funding fee.
National bank with 3% down programs, FHA and VA loans, jumbo loans, and down payment grants in select markets
Down payment from 3% without VA eligibility. Its own breakdown: 0% on VA, 3% on the Affordable Loan Solution and some conforming loans, 3.5% on FHA; its online rate tool assumes 5% or more.
A lender is listed here when it publishes a minimum down payment of 3.5% or less on at least one loan that does not require VA eligibility (VA loans are covered on their own page). The lowest figure each lender publishes is shown, with the loan types it belongs to.
No. The list shows what each lender publishes about its own loans. Whether you qualify, and on what terms, depends on your credit, income, debts, down payment, the property and the state, and it is decided by the lender after you apply. We are not a lender and cannot approve or quote you.
Each lender's figures were read from its own website and carry the date we checked them (most recently October 14, 2026). Lenders change their minimums and products without notice, so confirm the current terms with the lender before you rely on them.
