In 2025, as mortgage interest rates gradually decline, many buyers are wondering: is it still necessary to provide a down payment to obtain a mortgage? While some profiles may qualify for a mortgage without a down payment, most borrowers still need to show a minimum amount of savings. In this article, let’s take a closer look at the real conditions for obtaining zero-down mortgages in 2025.
What does it mean to get a mortgage without a down payment?
Definition of 100% and 110% mortgage loans
A mortgage without a down payment is a type of financing where the bank covers the entire purchase price of the property, i.e., 100% of the amount. In some cases, financial institutions offer 110% loans, which not only include the property price but also cover additional costs such as notary fees, agency fees, and guarantee fees. These loans thus finance the entire real estate transaction without the borrower having to use personal funds.
The importance of personal contribution in real estate financing
Traditionally, banks require a down payment representing about 10% to 20% of the property’s purchase price. This contribution primarily serves to cover ancillary costs and proves the borrower’s ability to save. It also reassures the lending institution regarding the borrower's financial reliability and commitment. Without a down payment, banks will more closely scrutinize the borrower’s profile and may impose stricter loan conditions or outright deny the mortgage request.
Is it possible to get a mortgage without a down payment in 2025?
Changes in lending conditions in 2025
In 2025, the mortgage market is experiencing a relaxation of lending conditions. Interest rates have been falling since late 2024, prompting banks to become more competitive to attract new customers. This trend has led to a greater openness to zero-down mortgages for the most qualified profiles, although strict selection criteria still apply.
Borrower profiles eligible for zero-down mortgages
Mortgages without a down payment in 2025 are mainly accessible to borrowers with strong financial guarantees. Lenders favor young professionals with permanent employment contracts (CDI), stable and sufficient income, and excellent financial management. First-time buyers with promising career prospects may be viewed favorably. However, it's essential to demonstrate controlled debt levels and a clean banking record to maximize your chances of securing a mortgage without a down payment.
Why does a personal contribution remain a key financing tool?
Negotiating better interest rates with a down payment
In 2025, although some banks accept loans without a down payment, having a significant contribution remains a major asset in obtaining favorable loan terms.
A down payment of at least 20% of the property price often allows borrowers to negotiate very competitive interest rates, thus reducing the total cost of the loan. For instance, some lenders offer rate discounts of 0.10 to 0.15 percentage points to borrowers with substantial contributions.
Moreover, a significant down payment can help negotiate other aspects of the loan, such as the repayment period or additional fees. It demonstrates the borrower's ability to save and manage finances, further strengthening their creditworthiness in the eyes of lenders.
The down payment as a safety factor for banks
Banks view the down payment as a sign of seriousness from the borrower. It reduces the bank's risk by lowering the loan amount and covering purchasing costs such as notary fees, agency fees, and guarantee charges. A personal contribution of 10% to 20% is generally required for these expenses.
Additionally, a substantial contribution may allow the borrower to benefit from more flexible loan conditions, such as increased borrowing capacity or a reduced debt ratio. This gives greater leeway to finance a more expensive property or to consider renovation work.
What are the alternatives for buying without a down payment in 2025?
Financial assistance available for real estate purchases in 2025
For borrowers without a down payment, several aid schemes can help facilitate access to property in 2025.
- The Zero-Interest Loan (PTZ), for example, can finance up to 40% of the price of a new or old property with renovations, without interest or application fees. This loan is reserved for first-time buyers under income conditions and depending on the property's location in the case of older homes. However, since April 1, 2025, the PTZ has been extended to the entire French territory for new property purchases—whether apartments or houses: great news!
- The Social Homeownership Loan (PAS) is another option for low-income households. It helps finance the purchase of a primary residence with a reduced rate and limited fees, while also granting access to Personalized Housing Assistance (APL).
- In addition, the Action Logement Loan, intended for private sector employees, offers a preferential rate to complement a primary loan.
- Finally, the Real Solidarity Lease (BRS) is a social homeownership scheme that separates the land from the building, reducing the purchase cost of the property by 20% to 50%. It is accessible to low-income households and can be combined with a PTZ.
Strengthening your application to reassure the bank
Even without a down payment, it’s possible to convince a bank by presenting a solid application.
- Job stability, regular income, prudent budget management, and a controlled debt-to-income ratio are key elements that reassure lenders.
- It is also recommended to demonstrate saving ability, even if modest, and to have an emergency savings fund for unforeseen expenses.
Furthermore, some financial institutions may agree to finance 100% or even 110% of the purchase price, including ancillary costs, for profiles with strong financial guarantees. However, these loans typically come with higher interest rates and require impeccable creditworthiness.
Why work with an Optimhome advisor?
In a context where getting a mortgage without a down payment remains complex and limited to specific profiles, the support of an experienced real estate advisor is a significant advantage. The Optimhome network offers local expertise and personalized assistance to maximize your chances of successfully completing your real estate project.
Local expertise to support your real estate project
Optimhome’s local real estate agents have in-depth knowledge of their area’s property market. This local expertise allows them to effectively guide you in finding a property that matches your needs and budget.
Are you selling to buy? We also assist with property valuation, negotiation, and building a complete real estate project, which is essential to reassure banks when applying for a new mortgage.
As true partners in your project, Optimhome advisors provide tailored support, taking into account your personal situation and goals. Our customer experience and market knowledge are valuable assets to help you successfully navigate the home buying process.
Connecting you with reliable financial partners
At Optimhome, we have a network of partner mortgage brokers we’ll be happy to connect you with. This support from trusted financial partners helps you structure your financing plan, especially if you don't have a personal contribution.
Benefit from optimized financing and increase your chances of obtaining a competitive mortgage. We’ll support you at every stage—from property search to signing the deed of sale—to ensure a smooth and successful buying experience.
Conclusion
In 2025, getting a mortgage without a down payment is still possible but limited to specific profiles with strong guarantees. For all others, having a contribution remains a key success factor. Here are a few key takeaways:
A mortgage without a down payment in 2025 is the exception, not the rule.
100% and 110% loans exist, but under specific conditions.
A personal contribution is still recommended to negotiate a better rate.
Public aid schemes can help supplement financing.
Would you like to buy a property without a down payment or learn more about the available financing solutions? Contact an Optimhome real estate advisor for expert support through every step of your journey—whether you're buying a house, apartment, land, estate, or commercial property.
FAQ: Frequently Asked Questions About Zero-Down Mortgages
Can you get a mortgage without a down payment in 2025?
Yes, but only for strong profiles (young professionals in permanent jobs, high income, good career potential).
What’s the difference between a 100% loan and a 110% loan?
The 100% loan covers the property purchase. The 110% loan also includes notary and guarantee fees.
What’s the recommended minimum contribution?
In general, banks expect at least 10% of the property’s price to cover ancillary costs.
Can the PTZ eliminate the need for a down payment?
It helps, but isn’t sufficient alone. It must be combined with another mortgage.
Can a real estate advisor help obtain a loan without a down payment?
Yes, your Optimhome advisor partners with mortgage brokers to help finance your purchase project.
Author
Fabrice DOBROWOLSKI - Network Development Director
Optimhome offers you personalized support for your real estate project. Benefit from all my advice, based on several years of experience, to ensure the success of your project.
