Why does down payment vary across Florida?

Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.

Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.

Can I find lower-down options?

Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.

Buyer authority FL

Estimated owner-finance down payment by city in Florida.

Down payments scale with home prices but flex by financing type. This ranks Florida cities by an estimated typical down payment on an owner-financed or low-down deal (12% of estimated median home value). This is a modeled directional comparison, not a survey of actual closings.

Last updated September 2026

Florida ranking

50 cities ranked. Click any row for the matching local page.

#	City	Est. typical down payment	Score
1	Key Biscayne	$88,700	10	View →
2	Palm Beach	$82,900	17	View →
3	Miami Beach	$74,800	26	View →
4	Ponte Vedra Beach	$73,800	27	View →
5	Windermere	$72,200	29	View →
6	Boca Raton	$69,100	32	View →
7	Saint Johns	$69,100	32	View →
8	Fort Lauderdale	$68,000	33	View →
9	Naples	$66,600	35	View →
10	Jupiter	$65,300	36	View →
11	Pembroke Pines	$65,800	36	View →
12	Palm Beach Gardens	$64,900	37	View →
13	Gulf Breeze	$64,600	37	View →
14	Bonita Springs	$64,000	38	View →
15	Palm City	$63,500	38	View →
16	Boynton Beach	$62,900	39	View →
17	Wellington	$63,100	39	View →
18	Lake Mary	$62,800	39	View →
19	Fleming Island	$62,800	39	View →
20	Odessa	$62,500	39	View →
21	Oviedo	$62,200	40	View →
22	Valrico	$61,600	40	View →
23	Longwood	$62,000	40	View →
24	Marco Island	$62,400	40	View →
25	Winter Park	$60,700	41	View →
26	Land O Lakes	$60,800	41	View →
27	Loxahatchee	$61,200	41	View →
28	Delray Beach	$59,800	42	View →
29	Lutz	$60,100	42	View →
30	Fernandina Beach	$60,600	42	View →
31	Niceville	$60,600	42	View →
32	Winter Springs	$59,500	43	View →
33	North Miami Beach	$59,600	43	View →
34	Lithia	$59,500	43	View →
35	Satellite Beach	$58,100	44	View →
36	Clearwater Beach	$58,200	44	View →
37	Vero Beach	$57,100	45	View →
38	Key Largo	$57,200	45	View →
39	Miami	$56,400	46	View →
40	Pompano Beach	$56,300	46	View →
41	Sarasota	$56,300	46	View →
42	Bradenton	$56,300	46	View →
43	Palm Harbor	$56,300	46	View →
44	Tarpon Springs	$56,200	46	View →
45	Apollo Beach	$56,600	46	View →
46	Indialantic	$56,800	46	View →
47	Saint Augustine	$55,600	47	View →
48	Oldsmar	$55,400	47	View →
49	Maitland	$55,900	47	View →
50	North Palm Beach	$55,600	47	View →

Methodology

Estimated down = 12% of estimated median home value (representative of owner-financed and low-down deals). Conventional loans typically require 20%; FHA can be 3.5%. Use as a directional comparison.

FAQ

Why does down payment vary across Florida?: Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.
Is 12% realistic?: Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.
Can I find lower-down options?: Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.