First-Time Homebuyer

Financing Options

Structures worth comparing for first-time homebuyer — chosen by the property and the plan, not by a rate.

• Conventional3–20% down. Mortgage insurance below 20%.
• FHALower down payment, mortgage insurance for the life of most loans.
• VAOnly where the buyer is eligible. No down payment on qualifying loans.
• CashNo payment, no lender conditions, all capital committed.

Financing comparisons are educational scenario planning. They are not a loan offer, a pre-approval, or a statement that you qualify. Terms come from a lender, not from us.