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How To Use Olympia Heights, Miami-Dade County, Florida Mortgage Calculator? Enter Home Price: The total sale price of a property negotiated between seller and buyer. Enter Down Payment: The funds you put upfront to get a home loan. This amount can vary from $0 for VA loans, 3.5% for FHA Loans and 20% for conforming mortgages.

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First-time home buyers have a lot of different options to choose from, including fha loans, USDA loans and the Good Neighbor Next Door program. Discover which programs are best for you, and learn. My partner is a first-time buyer but I am not. Do we have to pay stamp duty? – First-time buyers would pay 0% on the first £300,000 of the purchase price of a home.