Low Down Payment Mortgages

Affordable mortgage options to help make your dream a reality

Concerned about money for a down payment? Not sure if you qualify for a mortgage? We have a variety of programs that can help.

Best if you

  • Have less than 20% to put down on your home
  • Want to use money that was gifted to you toward your mortgage
  • Are concerned about qualifying for your loan
  • Need to borrow as much as possible of your home's purchase price


  • Easier to meet down-payment requirements
  • Flexible ways to fund your down payment or closing costs
  • Lower income and credit score requirements
  • Greater percentage of financing available

Available low down payment options


  • No mortgage insurance required
  • Up to 97% financing available
  • Gift funds are permitted
  • Online homebuyer education course required

First-Time Home Buyer

  • Reduced mortgage insurance requirement
  • No income limitations
  • Up to 97% financing available


Rural Housing Loan

  • Up to 100% financing available
  • Gift funds are permitted
  • Mortgage insurance required

Veterans Administration

  • Up to 100% financing available
  • No minimum credit score required
  • No income limitations

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  • Loan amount - This is the amount of the loan that you are requesting.
  • County - You must select your state before you can select a county.
  • Don't see your state? - If your state is not listed in the drop-down box, you may be located outside of our service area. To explore your banking options with BB&T, please contact us at 800-BANK-BBT (800-226-5228).

Questions about buying a home?

Check out our mortgage education center to help you make informed decisions at every stage of the mortgage process.

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Still exploring?

How Much Can I Afford to Spend on a Home?  (Calculator)

Find out how much you can afford given your monthly budget.

How Much Money Will I Need to Buy a Home?  (Article)

Get familiar with typical homebuying costs so you can budget accordingly and avoid surprises.

Where to Find Down Payment Assistance  (Article)

When you don't have much for a down payment, down payment assistance options can help you get into a home.

Not convinced that a low down payment mortgage is right for you?

For additional information, visit our homebuyer education course online, on your own schedule.

Loans, lines of credit and credit cards are subject to credit approval.

All BB&T mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender.