Low Down Payment Mortgages

Affordable mortgage options to help make your dream a reality

Get started with your mortgage process - important Contact us (moves focus down)

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


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

Shopping for rates?

Estimate your rates

All fields are required.

Loan Amount

This is the amount of the loan that you are requesting.


Mortgage balance

Please enter the current balance on your existing mortgage loan. If you don't have an existing mortgage, enter 0.

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).

You must select your state before you can select a county.

A woman reads financial education online to understand her mortgage options

Questions about buying a home?

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

Learn more about buying a home - important

Ready to get started?


Still exploring?

You'll need more than the down payment on hand when you buy a home. Get familiar with all the costs so you can budget accordingly and avoid surprises.

Making a down payment for your new home can be difficult, but there are many down payment assistance options that may be able to help you.

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

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

For additional information, visit our home buyer 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. Equal Housing Lender icon