Thousands of buyers qualify for zero down payment programs and don't even know it. Take our 2-minute quiz to find out if you're one of them.
Get Your Readiness Score →There are more paths to homeownership than you think. Here are the most common zero and low down payment programs.
For veterans and active military. Zero down payment, no PMI, competitive rates. The best mortgage benefit in America.
$0 Down · No PMIFor homes in eligible suburban and rural areas. Zero down payment with income limits. More areas qualify than you'd think.
$0 Down · Income Limits ApplyFHA loans with 3.5% down — paired with state and local grants that cover it. Net result: zero out of pocket.
Grants Available · Low Credit OKNew construction builders often cover closing costs, buy down your rate, or offer move-in packages. Ask the right questions.
Closing Cost Help · Rate BuydownsTexas alone has TDHCA, SETH, and TSAHC programs. Many states offer $10K-$20K+ in assistance for first-time buyers.
Free Money · First-Time BuyersOnly 3% down with conventional lending. Pair with employer programs or DPA for near-zero out of pocket.
3% Down · FlexibleThree simple steps to find out if you're ready for zero-down homeownership.
Answer 6 quick questions about your situation. No SSN, no credit pull, completely free.
Instantly see your Readiness to Buy score and which zero-down programs you may qualify for.
We'll match you with a specialist who can walk you through your best options — no pressure, no obligation.
Most people who qualify for zero-down programs don't know they're eligible. It takes 2 minutes to find out.
Start the Quiz →Haven't owned a home in the last 3 years counts too.
Active duty, veteran, reserves, or National Guard.
Don't worry — we don't pull your credit. Just your best guess.
Combined gross income before taxes.
Lenders typically look for 2+ years of stable income.
This helps us identify which programs are available in your area.
We'll match you with a specialist who can walk you through your options — free, no obligation.
By submitting, you agree to be contacted about your home buying options. No credit check. No obligation. Your information is secure and never sold.