Ijara Community Development physician home financing is available nationwide in the United States. The program is for medical professionals with an MD, DO, DDS, DVM, or DMD. Published terms on this product are up to $2 million, 0% down, no PMI, and a 680 credit floor. The contract is ijara through a single-asset grantor trust: you pay rent on the property rather than interest, and title transfers for $1.00 when the lease completes. Guidance Residential and UIF are not physician-loan products in our data. They remain ordinary home-financing quotes in the states they list. Start on the Ijara CDC provider page and the home financing hub.
If you are a resident, attending, dentist, or veterinarian trying to buy a primary home without riba, this is the file to open first. Get the down payment, rent schedule, occupancy, and early-payoff language in writing for this address. Do not treat a blog as a rate sheet.
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Who This Program Is For
The live Ijara CDC physician product names five credentials: MD, DO, DDS, DVM, and DMD. That is one US program, not a dentist-only sibling. A Houston cardiologist, a Chicago dentist, and a Milwaukee veterinarian are on the same product record. The product is nationwide. Do not confirm whether Ijara CDC serves your state. It does.
This page does not invent a residency or projected-income rule for the United States. The US product record we publish does not state a training-year window. If you are still in residency, ask Ijara CDC which application to open and which income they will underwrite. Do not assume the Canadian physician projected-income file applies here.
- You want a Shariah-structured purchase or refinance, not a conventional physician loan with interest
- Your license is MD, DO, DDS, DVM, or DMD
- You can work with a 680 credit floor on this program
- The home is in the United States, including a high-cost metro
Published Terms
Two layers sit on the same product. Nationwide terms apply everywhere Ijara CDC home financing runs. A dedicated bank program adds extra loan-to-value bands in eight states.
| Item | Nationwide physician product | Dedicated bank program (IL, IN, KY, MI, OH, PA, WV, WI) |
|---|---|---|
| Structure | Ijara through a single-asset grantor trust | Same structure |
| Who | MD, DO, DDS, DVM, DMD | Same credentials |
| Credit floor | 680 | 680 on this product |
| Down payment | 0% down, no PMI, up to $2 million | New physicians: 100% financing up to $500,000; up to $1 million with 5% down. Established physicians: 100% LTV up to $650,000; up to $1.15 million with 5% down; up to $1.5 million with 10% down. Refinance to 100% LTV up to $650,000 |
| Geography | Nationwide | Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia, Wisconsin |
| Profit rate | Not published here. Get a written quote | Not published here. Get a written quote |
If you buy in those eight states, ask which band you are in: the nationwide 0% / $2 million file, or the dedicated bank schedule. If you buy anywhere else in the US, the nationwide physician terms are the ones we can state. County loan limits, occupancy, and property type still have to clear underwriting.
Guidance and UIF Are Not This Product
Partner order for a standard US home file is still Guidance Residential, then Ijara CDC, then UIF. That order is for ordinary purchase and refinance quotes. It is not a physician-loan menu. Neither Guidance nor UIF has a physician home-financing product in our data.
| Provider | Physician program in our data | What their standard home product actually is |
|---|---|---|
| Ijara Community Development | Yes. Nationwide physician product above | Ijara trust structure. This is the apply path for the MD/DO/DDS/DVM/DMD file |
| Guidance Residential | No | Diminishing musharakah purchase and refinance. Down payments start at 5% for primary homes. Listed states only, not nationwide |
| UIF | No | Declining-balance musharakah. Down payments as low as 3%, up to $2 million, 15- to 30-year terms. Listed states only |
Use Guidance or UIF when you want a second written quote on a normal down-payment file in a state they list. Do not shop them as a 0% physician substitute. Compare the same purchase price on the home financing comparison only after you know whether you are in the physician program or a standard quote.
When to Use a Different Ijara File
Ijara CDC also publishes jumbo, FHA, VA, and USDA home products. Those are separate rows. Do not mix their floors into this page.
- Price above this physician cap: Ijara jumbo is a different product (10% minimum down, 680 credit floor, above the $806,500 conforming limit, up to $4 million). Ask Ijara which application to open
- Credit below 680: this physician floor is 680. Ijara FHA publishes 520 with 3.5% down. That is not the physician program. See credit score needed for an Islamic mortgage
- VA eligibility and 0% down on a military file: that is the VA product, 620 credit floor, not the physician product
- USDA rural 0% down: that is the USDA product, 600 credit floor, income limits, primary residence only
A doctor can still buy with a standard Ijara, Guidance, or UIF quote if the physician program does not fit the property, the credential, or the down-payment story. That is a different file. Keep the quotes labeled.
Why This Is Not a Conventional Doctor Loan
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A conventional physician mortgage is still an interest-bearing loan. Banks market 0% down and delayed student-loan counting because they want the attending salary. The riba is the problem, not the marketing. This Ijara file is the published halal substitute for that buyer: same job (buy a house on a medical credential with little cash down), different contract (lease to own through a trust, rent-on-property, $1.00 title transfer).
Cash is still cleaner if you can pay without financing. If you cannot, do not sign a conventional doctor loan and plan to convert later unless you are opening Ijara's separate riba-to-ijara conversion product. That conversion is not this physician purchase program. Keep the two applications distinct.
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On cash to close, the useful comparison is not a bank teaser rate. It is 0% down on this physician product versus Guidance starting at 5% down on a standard musharakah versus UIF as low as 3% down on a standard declining-balance file. Those last two are only available in the states each lender lists. For a first attending in Dallas, Miami, or Los Angeles who is cash-light, the physician 0% nationwide file is the one that actually matches the search.
What to Get in Writing
Islamic home financing still closes through title and a county recorder. The Shariah piece is the contract, not a skip of US closing mechanics. Ijara CDC's Sharia Advisory Board is chaired by Mufti Muneer Akhoon. Ask for the current fatwa packet under their process. Primary contract documents may require an NDA. That is their rule, not a reason to skip reading what you can see.
- Which program name is on the application: physician nationwide, dedicated bank band, jumbo, or standard home
- Down payment, rent-on-property schedule, and whether PMI appears anywhere
- Maximum amount for this county and this occupancy (primary, second, or investment)
- Early payoff, extra principal, and what happens if you sell before the lease ends
- Who holds title during the term, and the $1.00 transfer at the end
- Employment, license, and income documents they want for an MD, DO, DDS, DVM, or DMD file
Then run a second quote only if a standard Guidance or UIF file is actually available in that state and you still want a comparison. Start both from the home financing hub and compare.
Frequently Asked Questions
Is there a halal physician mortgage in the United States?
Yes. Ijara CDC publishes a physician home-financing product nationwide for MD, DO, DDS, DVM, and DMD credentials. Guidance and UIF do not publish a physician product in our data.
Can a US doctor buy with 0% down on a halal contract?
On this Ijara CDC physician product, yes: 0% down, no PMI, up to $2 million, 680 credit floor. The eight-state dedicated bank program publishes additional 100% LTV bands by new versus established physician. Get the band in writing for this house.
Do dentists and veterinarians use the same program?
Yes in the United States. The live product lists DDS, DVM, and DMD on the same physician home-financing row as MD and DO. That is different from Canada, where Ijara splits a dentist and veterinarian file. Use the US product record, not the Canadian one.
What credit score do I need?
680 on this physician product. Do not copy FHA 520, USDA 600, or VA 620 onto this file. Those floors belong to other Ijara programs. Details are on the Islamic mortgage credit score guide.
Is this available in California, Texas, New York, and Florida?
Yes. The physician product is nationwide. California, Texas, New York, and Florida are included. The extra dedicated bank LTV schedule is only Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia, and Wisconsin.
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US physicians, dentists, and veterinarians have one published 0% down ijara path: Ijara CDC, nationwide, 680 credit floor, up to $2 million. Guidance and UIF stay in the mix as standard home quotes where they list the state. They are not this program. Get a written physician quote first, then compare on the home financing hub.
