Zero Down in 2026? The FHA 100 Loan Might Be Your Game-Changer
Buying a home in South Florida with no down payment? Yep — it’s possible. Say hello to the FHA 100% CLTV Combo Loan, a financing option that opens the door for buyers who thought homeownership was out of reach.
This isn’t your average FHA loan. This program combines an FHA-backed first mortgage with a second lien that covers the rest — giving you a full 100% loan-to-value (CLTV). Translation: no down payment needed, and even your closing costs might be covered.
🔑 Program Highlights – What Makes FHA 100 a Big Deal?
- ✅ 100% Financing — 96.5% from FHA + 3.5% second lien
- ✅ Minimum 600 FICO score
- ✅ No First-Time Buyer Requirement
- ✅ No Income Limits
- ✅ Standard 30-Year Fixed Rate
- ✅ Same underwriting for both loans
💬 Who Should Consider This Program?
If you're asking “How much is my Fort Lauderdale home worth?” or ready to sell and upgrade with zero out-of-pocket, this loan may be perfect for you.
Renters in Oakland Park, Weston, or Pembroke Pines — this could be your golden ticket.
Schedule a free consultation to see if the FHA 100 loan fits your situation.
📍 Perfect for South Florida Buyers
At The Home Owners Listing Team, we specialize in helping buyers tap into every opportunity available. This program is ideal if you’re house hunting in:
- Fort Lauderdale
- Oakland Park
- Weston
- Pembroke Pines
Explore more options on our downloads page or get a free home valuation.
📞 Let’s Talk!
Scott Lehr, Team Leader – The Home Owners Listing Team
