Zero Down FHA Home Loans
in MD, VA & DC
⭐ 5-Star Client Reviews ✔ Licensed Mortgage Professionals ⚡ Fast Closings
Buy a home with no down payment through FHA 100% CLTV programs.
✔No impact on your credit to check eligibility
✔ Fast approvals 24–48 hours
✔ Local experts in VA, MD and DC
The FHA 100% CLTV program in Virginia, Maryland, and Washington DC allows qualified homebuyers to purchase a home with little to no down payment.
Check your eligibility in minutes using our secure pre-qualification form.
This program is ideal for:
- First-time homebuyers
- Renters ready to purchase
- Buyers with steady income but limited savings
- Anyone needing help covering upfront costs
If you’re exploring other zero-down options, ask us about our USDA Home Loan Program for eligible rural communities.
See If You Qualify for FHA 100% CLTV
Secure and confidential. Check your eligibility for the FHA 100% CLTV program with no obligation and no impact to your credit score.
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
That means:
- ✔ No down payment required
- ✔ Reduced upfront cash needed
- ✔ Flexible credit requirements
- ✔ Easier qualification compared to many conventional loans
You finance the FHA-required 3.5% down payment using an approved DPA second mortgage.
How FHA 100% CLTV Zero Down Loans Work
FHA loans are government-backed mortgages designed to help buyers qualify with lower down payments and flexible credit requirements.
Program Highlights
- 100% Combined Loan-to-Value (CLTV)
- FHA first mortgage + approved DPA second mortgage
- Low minimum credit score (varies by program)
- Competitive FHA interest rates
- Seller credits allowed
- Gift funds allowed
- Designed for first-time homebuyers
- Available in Maryland, Virginia, and Washington DC
Speak with a loan specialist to see if this zero-down program is available for your home purchase.
Who Qualifies for FHA 100% CLTV?
You may qualify if you:
- Are purchasing a primary residence
- Have stable, documentable income
- Meet FHA credit guidelines
- Fall within FHA loan limits for your county
- Can verify employment and income
- Complete homebuyer education (required by some DPA programs)
This program is built for buyers who can afford the monthly payment but need help covering the down payment.
If you meet these requirements, you may be able to qualify for a zero-down FHA home loan.
Benefits of FHA 100% CLTV
FHA guidelines are more forgiving than many conventional loan programs.
✔ No Down Payment
Your DPA second mortgage covers the FHA-required 3.5% down payment.
✔ Lower Cash to Close
Closing costs can often be reduced through seller credits and gift funds.
✔ Flexible Credit Requirements
FHA guidelines are more forgiving than many conventional loan programs.
✔ Ideal for First-Time Buyers
Perfect for renters transitioning into homeownership.
✔ Works in High-Cost DMV Markets
Especially beneficial in areas like:
- McLean, VA
- Fairfax County, VA
- Montgomery County, MD
- Washington, DC
Why Choose ABC United Finance Corp?
ABC United Finance Corp specializes in FHA loans and down payment assistance programs across Maryland, Virginia, and Washington DC.
If you’re ready to explore your options, you can check your eligibility for an FHA zero-down home loan in just a few minutes.
We help you:
- Determine eligibility quickly
- Compare available DPA options
- Secure competitive FHA rates
- Get pre-approved fast
- Close confidently and smoothly
Our team walks you through every step — from consultation to closing — so you can buy your home with confidence and zero down payment.
If you are comparing options, you may also want to explore our conventional home loan programs.
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 an approved DPA second mortgage.
Do I still need money for closing costs?
Possibly. However, seller credits and gift funds may significantly reduce or eliminate your out-of-pocket expenses.
What credit score is required?
FHA guidelines are generally more flexible than many conventional loan programs.
Can this be used for investment properties?
No. FHA requires the property to be your primary residence.
Is homebuyer education required?
Some DPA programs require a short online homebuyer education course.
Client Reviews
⭐⭐⭐⭐⭐“As a first-time homebuyer, I was terrified that I’d never save enough for a down payment. Every lender I spoke with made it seem impossible. When I found ABC United Finance Corp and learned about their FHA 100% CLTV program, everything changed. They explained the down payment assistance process step-by-step and made everything easy to understand. Because of their guidance, I purchased my first home with zero down. The process was smooth, communication was excellent, and I felt supported the entire time. This program truly made homeownership possible for me.”— Melissa R., Hyattsville, MD
Get Pre-Approved for FHA 100% CLTV
Ready to explore your zero-down options?
See if you qualify for an FHA 100% CLTV zero-down home loan in Maryland, Virginia, or Washington DC.