Minimum Down Payment for a Conventional Loan — What You Should Know (3% or More?)
Curious how little you can put down on a conventional mortgage? This video breaks down the minimum down payment requirements — including the widely used 3% option — and what factors affect who qualifies.
We’ll cover:
Conventional loan basics and minimum down payment (as low as 3%)
Credit score, debt-to-income ratio, and other criteria that impact your down payment
Private Mortgage Insurance (PMI) implications if your down payment is under 20%
When a bigger down payment might help
How this applies to buyers in Novi, Michigan and tips to get started
If you’re planning to buy a home in Novi, Michigan, understanding how to structure your down payment could make your offer stronger and your finances more manageable. Feel free to reach out for local advice!
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