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Low down payment home loans & affordable refinance options

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Putting homeownership within reach

Get closer with a $2,500 or $5,000 grant, plus a low down payment.

Get prequalified

See how our low down payment options can fit your budget

Chase DreaMaker℠ Mortgage

3% Down Payment

Our DreaMaker mortgage has a low down payment option, flexible credit guidelines and income limits. Plus receive $500 after completing an education course.

Federal Housing Administration (FHA)

3.5% Down Payment

An FHA loan has low down payment options, and with no income limits and flexible credit guidelines, it may be easier to qualify.

Standard Agency Mortgage

3% Down Payment

A standard agency loan is a good option for people with higher credit scores and who may not need a low down payment.

Veterans Affairs Loan (VA)

Down Payment as low as 0%

A U.S. Department of Veteran Affairs (VA) guaranteed loan offers low or no down payment options and has no monthly mortgage insurance requirement.

Get $2,500 or $5,000 toward your new home

In select areas across the country, our Chase Homebuyer Grant provides $2,500 or $5,000 that's first applied to help lower your interest rate. Then it can be applied to Chase fees, other fees or possibly your down payment. Ask a Home Lending Advisor for details.

Homebuyer assistance finder

Enter property and household information below to see if there is an exclusive Chase Homebuyer Grant or closing benefit available. Contact a Home Lending Advisor to learn more about the programs you matched with and get help starting your application.

Putting the dream within reach

Hear how P. Scott was able to buy his first home with the help of the Chase Homebuyer Grant and guidance from his Community Home Lending Advisor.

_{The testimonials on this page or provided through linked videos are the sole opinions, findings or experiences of our customers and not those of JPMorgan Chase Bank, N.A. or any of its affiliates. These opinions, findings or experiences may not be representative of what all customers may achieve. JPMorgan Chase Bank, N.A. or any of its affiliates aren't liable for decisions made or actions taken in reliance on any of the testimonial information provided.}

Homebuyer Grant P Scott videoOpens Overlay

Home Affordability Calculator^,

Estimate how much home you can afford with our affordability calculator. Simply enter your monthly income, expenses and expected interest rate to get your estimate. Adjust the loan terms to see your estimated home price, loan amount, down payment and monthly payment change as well. Once you find the price you can afford, contact a Home Lending Advisor or go to your local branch to get started.

Take the first step and get prequalified.

Ready to apply?

Start online

Come in

Find a Home Lending Advisor

Frequently asked questions

Yes, we offer DreaMaker, Federal Housing Administration (FHA) and Veterans Affairs (VA) loans that offer low down payment options with flexible credit score requirements. In addition, you may qualify for a $2,500 or $5,000 Chase Homebuyer Grant and/or $500 Homebuyer Education Benefit (DreaMaker only) that can be used to lower your closing costs and/or down payment (dependent on product requirements). Qualifying housing and down payment assistance programs may be available in your area.

We offer a $2,500 or $5,000 grant available on DreaMaker, Standard Agency, Federal Housing Administration (FHA) and Veterans Affairs (VA) products when purchasing a primary residence where the property is located in an eligible census tract. The grant can be used toward points, closing costs, and/or down payment (dependent on product requirements).

There's no set amount. Today, there are many loan products that can be tailored to fit your needs and financial resources. Keep in mind that for down payments of less than 20% on conventional loans, private mortgage insurance (PMI) will be required.

We offer competitive rates with lower monthly payment options on DreaMaker, Federal Housing Administration (FHA), Veteran Affairs (VA) and Standard Agency loans.

We'll require homebuyer education on DreaMaker mortgages for any borrower who's a first-time homebuyer.

Yes, there are community-specific programs that may help with your down payment and closing costs. Learn more online or

ask a Home Lending Advisor about your options.

Tune in to our podcast

Hear why U.S. News & World Report ranks our Beginner to Buyer podcast series hosted by Nadeska Alexis among their "10 Best Personal Finance Podcasts of 2022."

Homeownership: Why it matters

Knowledge is power during the homebuying process.

Listen now

Are you ready for homeownership?

Buying a home begins before you start shopping.

Listen now

How much can you aﬀord?

Be ready for the true cost of your new home.

Listen now

Find more episodes

Watch videos

First-time homebuyers

Homebuyer tips videoOpens Overlay

First-time homebuyers

Buying a home can be exciting and stressful at the same time, especially for the first-time homebuyer. Here are some tips to help you through a complicated process.

Buying vs. renting

Buying vs. renting videoOpens Overlay

Buying vs. renting

When you're getting ready to move or thinking about becoming a homeowner, it's important to weigh the pros and cons of buying vs. renting a home.

Federal Housing Administration (FHA) loan

Federal Housing Administration (FHA) loan videoOpens Overlay

Federal Housing Administration (FHA) loan

An FHA mortgage is a government insured loan that offers down payments as low as 3.5%. FHA loans come with a 15-, 20-, 25- or 30-year term and have a fixed interest rate.

Veteran Affairs (VA) loan

VA loans videoOpens Overlay

Veteran Affairs (VA) loan

A VA loan has low or no down payment options and no monthly mortgage insurance requirement.

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Popular Articles

A beginner's guide to FHA loans

An FHA loan could make it easier to realize your dream of homeownership. Read our article to understand how they work and how to get one.

Read more about FHA loans

Ways to get assistance with your down payment

If you dream of owning a home but can’t afford the down payment, there are grants and loans that may help. Learn more about them here.

Read more about down-payment assistance

How homeowners associations work

Read our detailed guide on how homeowners associations work and the pros and cons of buying a house with an HOA.

Read more about how homeowners associations work

Closing costs: who pays what

Here’s our comprehensive guide to closing costs: how much they are, when they are due and who pays for closing costs.

Read more about closing costs

How much are closing costs?

Find out what closing costs you should expect to pay and learn how you could potentially reduce them.

Read more about closing costs

How to use a mortgage calculator

Follow our step-by-step guide on how to use a mortgage calculator and learn how this tool to calculate your estimated mortgage payments.

Read more about mortgage calculator

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