I hear this question constantly in buying in Orlando FL 2025: “Is zero down still possible?”
The short answer: in some cases, yes. As a 20-year veteran real estate agent with over 693 closings, I’ve helped many buyers purchase with far less upfront than they expected.

Zero-Down Options Exist — Depending on Eligibility

Some loan programs still allow buyers to put little to nothing down. These include specific government-backed loans and special lender incentives.

Low-Down-Payment Alternatives

Even if zero-down isn’t available, many buyers qualify for:

  • 3% down conventional loans

  • 3.5% down FHA loans

  • Down payment assistance programs

This is why so many buyers are surprised when I tell them:
“You don’t need anywhere near 20% down to buy a home in Orlando.”

Know Your Total Upfront Costs

Even with low down payments, buyers should budget for:

  • Inspections

  • Appraisal

  • Closing costs

  • Reserves

Explore affordable listings updated daily:
➡ https://www.evemetlis.com/ocoeehomesforsale/

A Buyer’s Real Experience

One buyer told me, “Eve showed us a loan option that helped us buy months earlier than we thought.”

Don’t Guess — Get Real Numbers

With 157+ Google 5-star reviews, buyers count on me for realistic budgeting and lender connections that match their financial situation.

 

Contact Eve Metlis at Watson Realty Corp | 407-493-5225 | www.EveMetlis.com for a FREE 2025 Market Strategy Session