Can I buy a home with zero down in Clermont or Minneola?

Yes, you can buy a home with zero down in parts of Central Florida, but it’s not automatic. Here’s the reality for buyers in Clermont, Minneola, and nearby areas:

Zero-down loan options:

• VA Loans: Available to eligible veterans and service members, these loans can finance 100% of the purchase price.

• USDA Loans: Targeted at rural or semi-rural communities, including parts of Minneola, Montverde, and Clermont, these loans can also allow zero down, though income limits apply.

• Special lender programs: Occasionally, local lenders offer first-time buyer programs with low or no down payments—but these often require education courses, eligibility verification, and payback options.

2025–2026 considerations:

• Mortgage rates are hovering slightly higher than the pandemic-era lows, which means even with zero down, monthly payments could be significant. Early 2026 may see small rate shifts, so locking in pre-approval now is wise.

• Some zero-down programs include upfront fees or higher insurance premiums. Always check total costs over time.

Tips for zero-down buyers:

1. Check eligibility early: VA and USDA loans have strict requirements.

2. Understand total monthly costs: Include taxes, insurance, and HOA fees when calculating affordability.

3. Work with a local agent: Many zero-down programs are nuanced, and a local expert ensures you don’t miss opportunities.

Bottom line:
Zero-down purchases are possible in Clermont and Minneola, but only if you meet eligibility requirements and plan carefully. With inventory still improving in early 2026, buyers who are ready and informed will have leverage.

Curious if you qualify for zero-down financing in Clermont or Minneola? Let’s review your options and find the best loan programs for your situation.