Little Saved Is Still Enough.
Veteran and rural housing financing on a primary residence, built for buyers who have not put together large savings.
Financing built for buyers without large savings.
However little you have saved, there’s likely a path that fits.
- Low cash to close on eligible programs
- Veteran and rural housing financing
- Buyers who have not saved much yet
- Purchase or refinance your primary residence
- Seller-paid closing costs permitted where allowed
- Fixed and adjustable rate options
Low cash to close on eligible programs
Veteran financing for those who have served
Rural housing financing for eligible areas
Primary residence purchase or refinance
No mortgage insurance on veteran financing
Fixed-rate and adjustable-rate (ARM) options
What is the Saxton Low Cash To Close Loan?
Government-backed financing that does not require money down
The Saxton Low Cash To Close Loan covers the two routes that ask the least of a buyer’s savings: veteran financing for those who have served, and rural housing financing for eligible properties and incomes.
Both routes are built for buyers who have not saved much. Veteran financing generally starts around a 660 credit score. Rural housing financing depends on the property being in an eligible area and on household income limits set for that area.
Use it to purchase a primary residence or refinance the one you own, on single-family homes, planned unit developments, townhomes, and eligible condominiums.
Why choose the Saxton Low Cash To Close Loan?
Built for buyers who can afford the payment but have not built up savings.
Veterans & Service Members
Your earned entitlement is what puts the purchase within reach.
Surviving Spouses
Eligible surviving spouses can use the same entitlement.
Rural & Small Town Buyers
Homes outside metropolitan areas may qualify for rural housing financing.
First Home Purchase
Buy your first home without waiting years to build up savings.
Moving For Work
Relocating on short notice with savings tied up elsewhere.
Two Routes Worth Knowing
VA and USDA ask the least of a buyer’s savings. Every other route expects more up front.
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers about buying when you have not saved much.
These programs ask less up front than any other route. You will still need funds for closing costs unless those are covered by the seller or a credit, and reserves may be required depending on the file.
Veterans, active duty service members, certain National Guard and Reserve members, and eligible surviving spouses. Entitlement is confirmed through your Certificate of Eligibility.
Rural housing financing depends on the property sitting inside a designated eligible area and on your household income falling within the limit set for that area. Many small towns and outer suburbs qualify.
Veteran financing on this program generally starts around a 660 credit score. Rural housing financing is assessed alongside the area and income requirements.
Veteran financing does not carry monthly mortgage insurance. Rural housing financing carries its own guarantee fee instead, which a licensed loan officer will explain.
Yes. Seller-paid closing costs are permitted within program limits, which can matter a great deal when you are not putting money down.
Single-family homes, planned unit developments, townhomes, and eligible condominiums, as a primary residence.
Find out what you qualify for
Whether you have served or you are buying in an eligible rural area, there’s likely a Saxton Low Cash To Close Loan option that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified- Consumer Financial Protection Bureau, buying a house: tools and resources for homebuyers
- Consumer Financial Protection Bureau, mortgages
*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.