Low Down Payment Mortgage | Wells Fargo

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yourFirst Mortgage®

Whether it’s your first home or your next, put homebuying within reach with a 3% down payment on a fixed-rate loan
You may be able to buy a home of your own, even without a large down payment. To see if you’re eligible, reach out to a home mortgage consultant to discuss loan amount, loan type, property type, and homebuyer education.

Low down payment mortgages and out-of-pocket costs

  • Get a conventional fixed-rate mortgage with a 3% down payment.
  • Use down payment and closing cost sources like gift funds and down payment assistance programs.

Being an informed homeowner

  • Ask how homebuyer education and an eligible down payment may qualify you for a closing cost credit.
  • With a low down payment, mortgage insurance is required and increases loan cost and monthly payment.
  • See what options might be a good fit for your situation with our loan comparison tool.

 Did you know? 

Even if you're not a first-time homebuyer, this program is available to you.


If you’re ready to apply online, let’s go

Apply Now

Call 1-877-937-9357 or find a mortgage consultant in your area

Conventional conforming mortgage 

A mortgage that is not obtained under a government program (such as FHA or VA). It also satisfies the standard underwriting guidelines and loan amount limits set by the quasi-government agencies, Fannie Mae and Freddie Mac. These loans, therefore, can be sold to either of these two agencies in the secondary market.