Looking for just the zero down home loan programs in Duval County, FL that fit your unique situation? Start your free personalized mortgage review by clicking here.
Popular Zero Down Loan Programs
Check out the most popular zero down loan programs in Duval County, FL
USDA Purchase Loan
Most PopularBest For: Zero Down, Easy Process
Home loans with up to 100% financing and lower mortgage insurance for low to moderate income homebuyers in eligible rural areas.
Min. Credit Score
620
Min. Down Payment
0%
Max. Loan Amount
$806,500
Zero Down Options for Purchasing a Home
We searched our national mortgage program database to find all of the purchase home loan options specific to Duval County, FL:
VA Purchase Loan
Best For: Lowest Rates, Zero Down
VA purchase loan program with no down payment requirement, competitive interest rates, limited closing costs, and no private mortgage insurance.
Min. Credit Score
580
Min. Down Payment
0%
Max. Loan Amount
$806,500
USDA Purchase Loan
Best For: Zero Down, Easy Process
Home loans with up to 100% financing and lower mortgage insurance for low to moderate income homebuyers in eligible rural areas.
Min. Credit Score
620
Min. Down Payment
0%
Max. Loan Amount
$806,500
VA High-Balance Purchase Loan
Best For: Large Loan Amounts, Zero Down
The VA high-balance mortgage (often called "VA Jumbo") is used for loans above the conforming limit—allowing homebuyers to maximize their VA benefits.
Min. Credit Score
640
Min. Down Payment
0%
Max. Loan Amount
$1,500,000
Special Programs for Zero Down
These additional loan programs available in Duval County, FL may provide help for down payment and closing costs, qualification for borrowers who don't fit the traditional mold, and unique portfolio programs for special situations.
FHFC First USDA Purchase Loan
Best For: First Time Homebuyers, Lowest Rates, Zero Down
USDA rural development loan program for Florida residents with below market interest rates and down payment assistance options.
Min. Credit Score
640
Min. Down Payment
0%
Max. Loan Amount
$726,200
FHFC First FHA Purchase Loan
Best For: First Time Homebuyers, Low Credit Scores, Zero Down, Easy Qualification
Bond FHA program for Florida first time homebuyers with below market interest rates, easy qualification and down payment assistance options.
Min. Credit Score
640
Min. Down Payment
3.5%
Max. Loan Amount
$472,030
Chenoa 3.5% Forgivable DPA
Best For: First Time Homebuyers, Zero Down
Chenoa Fund DPA: 3.5% assistance for FHA loans, min credit score 600.
Min. Credit Score
N/A
Min. Down Payment
0%
Max. Loan Amount
No Limits
Up to 3.00% of 1st Loan Amount Program Benefit Amount
Chenoa 3.5% Repayable DPA
Best For: First Time Homebuyers, Zero Down
Chenoa Fund DPA: 3.5% assistance for FHA loans, min credit score 600.
Min. Credit Score
N/A
Min. Down Payment
0%
Max. Loan Amount
No Limits
Up to 3.00% of 1st Loan Amount Program Benefit Amount
Chenoa 5% Forgivable DPA
Best For: First Time Homebuyers, Zero Down
Forgivable Second requires a 30 year term, 0% interest, no monthly payments
Min. Credit Score
N/A
Min. Down Payment
0%
Max. Loan Amount
No Limits
Up to 3.00% of 1st Loan Amount Program Benefit Amount
* Some loan programs may not be offered by all featured lenders of ReviewMyMortgage.com and qualification guidelines may vary between them. Our team makes their best effort to keep loan program information up to date. Loan programs may change without warning. ReviewMyMortgage.com does not guarantee or offer any loan products. ReviewMyMortgage.com is strictly an educational resource hub for consumers.
How It Works
What loans do I qualify for?
By answering a few simple questions, you'll receive a personalized review of mortgage options specific to your area.
Related Resources
Better information to make better home financing decisions.
By ReviewMyMortgage Admin
Do I Qualify for a Mortgage in Texas? Your 2026 Home Loan Guide
If you're asking, “Do I qualify for a mortgage?” or “Can I get approved for a home loan in Texas?” — you're not alone. These are some of the most searched questions by future homeowners in San Antonio and across Texas.
Read More
By ReviewMyMortgage Admin
Understanding Loan-Level Price Adjustments (LLPAs) and Their Impact on Mortgage Rates
Loan-Level Price Adjustments (LLPAs) play a crucial role in determining the interest rate and fees associated with your mortgage. Whether you’re a first-time homebuyer or refinancing, understanding LLPAs can help you make informed decisions and potentially save thousands. This guide breaks down how LLPAs work, who they affect, and how you can reduce their impact on your mortgage rate.
Read MoreAre you a mortgage professional?
Learn about our unique sponsorships, including RMM PROLender, that can take your production to the next level.
Get in Touch