Home loan · Navy Federal Credit Union
Navy Federal Homebuyers Choice loan
Rate varies0% down
No-down-payment conventional loan for a primary residence with no PMI. A 1.75% funding fee applies; it can be waived for a slightly higher rate or 3% down.
- Term
- 30 years
- Available in
- National
- Last checked
- Oct 17, 2026
What you need
- Credit union membership
- Approved credit
Before you sign
- Zero down still leaves closing costs, often 2% to 5% of the price; a seller credit can cover some of them.
- Compare the APR and any funding or origination fee, not just the rate.
- Keep savings for repairs, since you start with little equity.
Offers change often and vary by credit and region. Confirm the final terms with Navy Federal Credit Union.
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