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Home Mortgage FAQs
What is the minimum down payment for conventional, FHA, and VA loans?
Wells Fargo offers several low down payment options, including conventional loans (those not backed by a government agency).
- Conventional fixed-rate loans are available with a down payment as low as 3%.
- Keep in mind that with a low down payment mortgage insurance will be required, which increases the cost of the loan and will increase your monthly payment. We'll explain the options available, so you can choose what works for you.
- Talk with a home mortgage consultant about loan amount, loan type, property type, income, first-time homebuyer, and homebuyer education requirements to ensure eligibility.
- FHA loans are available with as little as 3.5% down.
- FHA loans have the benefit of a low down payment, but you'll want to consider all costs involved, including up-front and long-term mortgage insurance and all fees. Be certain to ask your home mortgage consultant to help you compare the overall costs of all your home financing options.
- VA loans offer low- and no-down-payment options for eligible veterans and other eligible borrowers.