Looking for just the 100% financing home loan programs in Spalding County, GA that fit your unique situation? Start your free personalized mortgage review by clicking here.
Popular 100% Financing Loan Programs
Check out the most popular 100% financing loan programs in Spalding County, GA
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
$766,550
100% Financing Options for Purchasing a Home
We searched our national mortgage program database to find all of the purchase home loan options specific to Spalding County, GA:
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
$766,550
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
$766,550
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 100% Financing
These additional loan programs available in Spalding County, GA 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.
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
Chenoa 5% Repayable DPA
Best For: First Time Homebuyers, Zero Down
Forgivable Second requires a 10 year term, 2% 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
Chenoa Fund FHA Manufactured Home Purchase Loan
Best For: First Time Homebuyers, Low Credit Scores, Lowest Rates, Easy Qualification
Low down payment requirements, easier qualification guidelines, lower rates, and flexible terms for first time homebuyers and beyond.
Min. Credit Score
599.98
Min. Down Payment
3.5%
Max. Loan Amount
$472,030
* 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.
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