Q&A · Down Payment Assistance
Do I pay mortgage insurance with $0 down?
Yes — low down payment means mortgage insurance.
- FHA combos: FHA mortgage insurance (upfront + monthly) applies
- 1% down conventional grants: MI charged to the borrower
- Medical professional program: no PMI — that's its standout feature
MI isn't a penalty — it's what makes low-down-payment lending possible. And on FHA it can drop off with a future refinance.
Want to see if you qualify? Send the 60-second eligibility form — your state, income range, and credit estimate. We'll match you to every program that actually fits. Check my eligibility →