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How Much of a Down Payment Do I Need for a Conventional Loan?

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Good news! Conventional loans are available with low down payment requirements for qualified buyers. In fact, some loans are available with as little as 3% down. The exact amount you'll need for a down payment to qualify for a conventional loan in California will depend upon your unique financial situation. Things that will be considered when determining if you qualify for one of these low down payment loans will include factors such as your debt to income ratio, your credit score, and your ability to provide documentation of stable income/employment.