Down Payment by Loan Type
With a median price near $385,000 in Orlando, your down payment varies widely by program: 0% for VA and USDA, 3.5% for FHA, and as little as 3%–5% for conventional. That means many buyers need far less cash than they expect.
Don't Forget Closing Costs
Closing costs typically run 2%–5% of the purchase price. In some cases, seller concessions or lender credits can reduce what you bring to the table.
Cash Reserves
Some loan programs ask for a few months of reserves after closing. We will map out your full cash-to-close picture up front so there are no surprises. Call 813-906-5886.