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Current 15 Year Mortgage Interest Rate Lowest Down Payment Without Pmi With today’s low mortgage. finance a home with no money down and no private mortgage insurance. VA loans have a "funding fee," which varies depending on your loan amount and down payment, but the.Who Qualifies For fha home loans Getting A Fha Loan An FHA Loan is a mortgage that’s insured by the Federal Housing Administration. They allow borrowers to finance homes with down payments as low as 3.5% and are especially popular with first-time homebuyers. fha loans are a good option for first-time homebuyers who may not have saved enough for a large down payment.