Low down payments, flexible credit guidelines, and assistance that can stack on top. Pick a program to see what it takes.
General guidelines only — your exact options depend on your income, credit, savings, and the home. Rivaldi will match you in one quick call.
Your first home, made simple.
Programs designed for buyers who haven't owned a home recently — with low down payment options, homebuyer education, and the ability to pair with down payment assistance.
Low down, flexible credit.
Government-backed loans that make it easier to buy with a smaller down payment and more flexible credit guidelines. Gift funds and assistance can help cover what you bring.
Strong credit, more options.
The most common type of mortgage. Eligible first-time buyers can put as little as 3% down, and mortgage insurance can come off once you build enough equity.
Earned by your service.
A benefit for eligible veterans, active-duty service members, and some surviving spouses — usually with no down payment and no monthly mortgage insurance.
Zero down, eligible areas.
Backed by the U.S. Department of Agriculture for homes in eligible rural and suburban areas — including many Florida towns just outside the big cities.
Less cash to close.
State, county, and city programs that can cover part or all of your down payment and closing costs — as grants, deferred loans, or forgivable second loans layered on top of your mortgage.
Program availability, limits, and guidelines change and are subject to credit approval, income verification, and property eligibility. This is not a commitment to lend.
| Program | Typical minimum down | Mortgage insurance | Best for |
|---|---|---|---|
| First-Time Buyer | As low as 3%, by program | Varies by program | Buyers who haven't owned recently |
| FHA | 3.5% | Upfront + monthly | Smaller savings, flexible credit |
| Conventional | 3% for eligible buyers | Monthly, removable later | Good-to-excellent credit |
| VA | None for eligible borrowers | No monthly insurance | Veterans and service members |
| USDA | None in eligible areas | Guarantee fee | Suburban and small-town buyers |
| Down Payment Help | Can lower or cover it | Follows your main loan | First-time buyers short on cash |
One free call with Rivaldi and you'll know your best option, what you'd bring to closing, and your next step.