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Down Payment Assistance Loan

First-Time Home Buyers, Low Down Payment, Lower Credit Score, Low-to-Moderate Income, Veterans

Often the largest obstacle to homeownership is the down payment. A zero down loan might be the answer for you. As the name suggests, a zero down loan is a home mortgage that requires no down payment. You pay standard closing costs.

Some Zero Down loans may have additional fees and we talk about any additional costs before going forward so you have the complete picture.

There are currently two types of government-sponsored loans that allow you to buy a home without a down payment: USDA loans and VA loans. Each loan has a very specific set of criteria you need to meet in order to qualify for a zero-down mortgage.

Is a Zero Down Loan right for you?

A zero down mortgage may be right for you. Keep your cash and still achieve the dream of homeownership.

Before deciding if a zero down mortgage is the right choice for you, carefully consider the benefits and drawbacks, and determine what is likely to work best in your situation.


Not having to come up with cash down payment is a big plus when buying a home. You will be enjoying homeownership sooner, taking advantage of low rates and high approval rates, or dips in the housing market.

You might have the money for a down payment but want to keep some cash on hand for repairs or renovations. You might have another goal in mind like paying off a student loan or funding a new retirement plan. Keeping your cash available would make these goals easier to achieve.

Get Started

With absolutely no obligation, just add your information below and I'll provide you a personalized evaluation of your home loan options.

Refinancing may help lower you monthly payment, get you a better mortgage rate, and shorten your loan term.

Your information is never shared.

A cash-out refinance may help lower your mortgage interest rate, consolidate debt, and increase your credit score.

Your information is never shared.

Find out if you’re ready to take on homeownership with a personalized evaluation of your loan options and credit.

Your information is never shared.

Connect with Michael

It's okay to have questions. Please contact me and I'll get back to you shortly.

(916) 850-0332



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