0-5% Down Purchase Programs - FCSM REAL ESTATE LOANS

Our 0-5% Down Payment Assistance program is designed to help aspiring homeowners overcome one of the biggest barriers to homeownership: the down payment. With flexible options, this program aims to make homeownership accessible to more individuals and families.

Who the Loans Are For:

This program is ideal for first-time homebuyers or those looking to purchase a new home with limited savings for a down payment. It caters especially to low-to-moderate income households.

Key Features of the Loan Program:

Flexible credit score requirements
Low-interest rates
Potential for forgivable loans or grants
No repayment required if you stay in the home for a specified period

Underwriting Guidelines:

Minimum credit score requirement may vary by lender –
Debt-to-income ratio typically below 45% –
Proof of income and employment required –
Completion of homebuyer education course may be necessary

Ready to take the next step towards homeownership?