MDs, DOs, DDS, JD, CPAs, pharmacists get 0–5% down jumbo loans with no PMI and student loans excluded from DTI.
Physician (and expanded 'professional') loan programs from BMO, Fifth Third, Truist, Huntington, First Horizon, and 30+ lenders offer 0–5% down up to $1M–$2M, no PMI, and — critically — excluded or IBR-based student loan DTI treatment. Available to residents, fellows, and attendings; some programs extend to dentists, veterinarians, attorneys, CPAs, and pharmacists. Employment contract accepted in lieu of pay stubs for new grads.
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Eligible veterans buy with $0 down, no PMI, and assumable rates.
0% down in USDA-eligible areas — includes many suburban zip codes.
Neighborhood Assistance Corp of America — below-market rate, zero down.
Fannie / Freddie low-income programs — 3% down + reduced PMI.
1.25–2.25% down for enrolled tribal members — nationwide.
State / county / employer DPA — $5K–$50K forgivable or 0% deferred 2nd.
$100 total down on FHA-repossessed homes for owner-occupants.
3.5% down + rehab budget rolled into one loan — buy distressed properties.