State Guides · 2026

Physician Mortgage by State

Physician mortgage programs are available in all 50 states and DC with the same core terms: 0% down up to $1.5M, no PMI, and favorable student loan treatment. Select your state for local home prices, tax rates, and market details.

$0 DownUp to $1.5M · 680+ FICO
5% DownUp to $2M · 680+ FICO
No PMIOn any loan · Any LTV

Select Your State

Click any state to see median home prices, property tax rates, income tax information, estimated physician mortgage payments, and state-specific considerations for doctor home buyers.

Northeast

Connecticut Delaware Maine Maryland Massachusetts New Hampshire New Jersey New York Pennsylvania Rhode Island Vermont

Southeast

Alabama Arkansas District of Columbia Florida Georgia Kentucky Louisiana Mississippi North Carolina South Carolina Tennessee Virginia West Virginia

Midwest

Illinois Indiana Iowa Kansas Michigan Minnesota Missouri Nebraska North Dakota Ohio Oklahoma South Dakota Wisconsin

West

Alaska Arizona California Colorado Hawaii Idaho Montana Nevada New Mexico Oregon Texas Utah Washington Wyoming

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