ABC UNITED FINANCE CORP
(703) 932-3905

FHA 100% CLTV Program – Zero Down Payment Home Loans in MD, VA & DC

Buying a home with no down payment is possible with the FHA 100% CLTV program. This option allows qualified buyers to combine a standard FHA first mortgage with an approved down payment assistance (DPA) second lien — giving you a true zero‑down path to homeownership.

This program is ideal for first‑time buyers, renters ready to purchase, and anyone who needs help covering upfront costs.


  If you're looking for another no‑down‑payment option, explore our USDA Home Loan Program for eligible rural communities.  

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  What Is FHA 100% CLTV?  

CLTV stands for Combined Loan‑to‑Value. With this structure:

FHA first mortgage + DPA second mortgage = 100% of the home’s value

This means:

  • No down payment required
  • Lower upfront cash needed
  • Flexible credit requirements
  • Easier qualification than conventional loans

Program Highlights

  • 100% combined loan‑to‑value (CLTV)
  • FHA first mortgage + approved DPA second mortgage
  • Low minimum credit score (varies by lender)
  • Competitive FHA interest rates
  • Seller credits allowed
  • Gift funds allowed
  • Great for first‑time homebuyers
  • Available across Maryland, Virginia & Washington DC

Who Qualifies for FHA 100% CLTV?

You may qualify if you:

  • Are purchasing a primary residence
  • Have stable income
  • Meet FHA credit guidelines
  • Fall within FHA loan limits for your county
  • Can document employment and income
  • Complete required homebuyer education (for some DPA programs)

This program is designed for buyers who can afford the monthly payment but need help with the down payment.

Benefits of FHA 100% CLTV

✔ No Down Payment

Your DPA second mortgage covers the 3.5% FHA down payment.

✔ Lower Cash to Close

You may only need to cover closing costs — and even those can be reduced with seller credits.

✔ Flexible Credit Requirements

FHA is more forgiving than conventional loans.

✔ Ideal for First‑Time Buyers

Perfect for renters ready to become homeowners.

✔ Works in High‑Cost DMV Markets

Especially helpful in areas like McLean, Fairfax, Montgomery County, and Washington DC.

Why Choose ABC United Finance Corp

We specialize in FHA and down payment assistance programs across the DMV. Our team helps you:

  • Understand your eligibility
  • Compare DPA options
  • Secure competitive FHA rates
  • Get pre‑approved quickly
  • Close with confidence

We guide you through every step so you can purchase your home with zero down payment.

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Frequently Asked Questions (FAQ)

Is FHA 100% CLTV the same as zero‑down FHA?

Yes — this structure allows you to finance the FHA down payment using a DPA second mortgage.

Do I still need money for closing costs?

Possibly. However, seller credits and gift funds can reduce or eliminate your out‑of‑pocket costs.

What credit score do I need?

Minimum scores vary by lender and DPA program, but FHA is generally flexible.

Can I use this program for investment properties?

No — FHA requires the home to be a primary residence.

Do I need homebuyer education?

Some DPA programs require a short online course.

Get Pre‑Approved for FHA 100% CLTV

Ready to explore your zero‑down options? Contact ABC United Finance Corp today to see if you qualify for the FHA 100% CLTV program.

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⭐⭐⭐⭐⭐ “As a first‑time homebuyer, I was terrified that I’d never save enough for a down payment. Every lender I talked to made it sound impossible. When I found ABC United Finance Corp and learned about their FHA 100% CLTV program, everything changed. They walked me through the down payment assistance step‑by‑step and explained every detail in a way I could actually understand.

Because of their help, I bought my first home with zero down. I still can’t believe it. The process was smooth, the communication was amazing, and I felt supported the entire time. I’m so grateful — this program made homeownership possible for me.” — Melissa R., Hyattsville, MD