Depending on the loan program, if your down payment is less than 20% you may have mortgage insurance. You may qualify for a full range of loan programs with down payment options as low as 0% for qualified veterans or qualifying properties. Contact your loan representative to confirm which program is best for you. These calculators are only meant to estimate results based on the information you enter. They do not take into account all factors that you should consider when choosing a mortgage, nor can we guarantee that the terms you enter reflect terms actually offered.