Davis is Yolo County's university town, home to UC Davis and one of the tightest housing markets in the Sacramento region. We help Davis buyers, homeowners and investors with purchase loans, refinances and rental property financing. Saving 20 percent for a home in Davis can take years, and most buyers do not need to. Pacific National Lending helps Davis buyers use low down payment programs, gift funds, seller credits and assistance programs to close with a fraction of what they expected.
Call Pacific National Lending for low down payment mortgages in Davis: (916) 526-2700
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Inventory in Davis is chronically limited and prices run well above the county average, so buyers need strong pre-approvals and often jumbo or high-balance financing. The university also creates steady demand for investment properties and parent-assisted purchases for students. FHA's 3.5 percent down loan accepts lower credit scores and higher debt ratios than conventional programs, which makes it the right low down payment choice for many Davis buyers. VA offers zero down for eligible military borrowers, and USDA offers zero down in eligible rural and suburban parts of Yolo County.
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Housing includes 1950s to 70s homes in Old North and Central Davis, planned neighborhoods in South and West Davis, the Village Homes community, condos and townhomes near campus, and newer homes in North Davis and the Cannery. Buying in Davis with a small down payment means mortgage insurance for a while, and we plan for its removal from day one. Conventional PMI drops off automatically as equity builds, and FHA loans can be refinanced into conventional loans once the home has appreciated.
A smaller down payment sometimes makes more sense than a larger one, especially if it preserves an emergency fund or allows you to buy in Davis a year sooner. We help you weigh the trade-off honestly.
Our low down payment mortgages clients in Davis come from Downtown Davis, Old North Davis, Village Homes, South Davis and every other part of Yolo County. Davis is about forty minutes from our Gold River office via I-80, and most Davis clients work with us by phone and secure e-signature.
Ready to talk about low down payment mortgages in Davis? Call (916) 526-2700 or apply online in a few minutes. There is no credit pull at the first step and no obligation.
Apply HereLearn more about the program itself: Low Down Payment Mortgage · All loan options · Purchase · Refinance · Today's rates
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