Purchase Options
Purchase Options
Buying a home in South Florida is one of the most significant financial decisions you will make. Milestone Mortgage Corporation offers a full range of purchase loan programs — from zero-down government loans to jumbo financing for luxury properties — along with down payment assistance programs to help more buyers get to the closing table.
Purchase Loan Programs
VA Loans
Zero DownFor eligible veterans, active-duty service members, and surviving spouses. No down payment, no PMI, and competitive rates backed by the Department of Veterans Affairs.
Learn moreFHA Loans
3.5% DownGovernment-backed loans with low down payments and flexible credit requirements. Ideal for first-time buyers or those rebuilding credit.
Learn moreUSDA Loans
Zero DownNo down payment required for eligible rural and suburban properties. Income limits apply. Great for buyers in qualifying areas of Palm Beach and Martin counties.
Learn moreConventional Loans
From 3% DownThe most widely used purchase loan. Down payments as low as 3% for qualified buyers, with PMI that can be removed once you reach 20% equity.
Learn moreJumbo Loans
Luxury & High-ValueFinancing above conforming loan limits for Jupiter's waterfront estates, luxury condos, and high-value properties throughout Palm Beach County.
Learn moreBank Statement Loans
Self-EmployedQualify using 12–24 months of bank statements instead of tax returns. Designed for self-employed borrowers, business owners, and freelancers.
Learn moreHard Money Loans
InvestorsFast, asset-based purchase financing for investment properties, fix-and-flip projects, and situations where speed matters more than rate.
Learn moreDSCR Loans
Rental InvestorsQualify based on the rental income of the property — not your personal income. Ideal for real estate investors building a portfolio.
Learn moreDown Payment Assistance Programs
Coming up with a down payment is one of the biggest hurdles for home buyers. Florida offers several programs that can provide grants, forgivable loans, or second mortgages to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000 in down payment and closing cost assistance for eligible community workforce employees — teachers, nurses, law enforcement, firefighters, and more. 0% interest, deferred second mortgage.
Florida Bond Program (FL HFA)
Below-market first mortgage rates combined with down payment assistance for income-qualified buyers purchasing in Florida. Offered through the Florida Housing Finance Corporation.
Palm Beach County DPA
County-administered down payment assistance for income-eligible buyers purchasing in Palm Beach County. Funds are limited and awarded on a first-come, first-served basis.
FHA + DPA Combinations
Many down payment assistance programs pair with FHA loans, allowing buyers to purchase with little to no money out of pocket when combined with seller concessions.
USDA & VA Zero-Down
For eligible buyers, VA and USDA loans already eliminate the down payment requirement entirely — making them the most powerful purchase tools available.
Gift Funds
Conventional and FHA loans allow down payment funds to be gifted by a family member. We will guide you through the documentation requirements to use gift funds properly.
Note: Down payment assistance programs have income limits, purchase price caps, and availability that change frequently. Contact us to confirm current program availability and whether you qualify.
Ready to Find Your Purchase Program?
Every buyer's situation is different. Let us match you with the right purchase loan and down payment assistance program for your income, credit, and goals.
Ready to Get Started?
Let our family help yours. Call us at 561-207-8082 or apply online today.