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July 18, 2025

Zero Down in 2025? The FHA 100 Loan Might Be Your Game-Changer | The Listing Team at RESF

Zero Down in 2025? 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 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 Listing Team at RESF

📞 954-342-6180

📧 scott@reallistingagent.com

Schedule a Free Consultation

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