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 →These are proprietary programs from our lending partners — designed specifically to eliminate the down payment barrier.
Buy a home with zero down — on an FHA loan.
Standard FHA loan with 3.5% minimum down payment requirement.
Up to 5% of the purchase price as a 10-year repayable second mortgage — covers your down payment AND closing costs.
Walk into your new home without writing a big check. The second mortgage adds a small monthly payment that fully amortizes over 10 years.
Up to $9,000 in down payment & closing cost assistance for first-time buyers in underserved communities.
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 · FlexibleReal programs. Real money. These are the state, regional, and local assistance programs available to Texas homebuyers right now.
Down payment grants for teachers, first responders, corrections officers & veterans. Up to 5% of loan amount.
Grant · No RepaymentHome loans + down payment assistance for low and moderate-income Texas buyers. Grants or second liens available.
Grant or 2nd Lien30-year fixed rate mortgage with up to 5% in DPA. For first-time buyers and veterans. Tax credit (MCC) eligible.
Up to 5% DPADown payment and closing cost assistance up to 5% of loan amount. Grant (no repayment) option available.
Up to 5% GrantUp to $30,000 in down payment and closing cost help for Houston-area buyers.
Up to $30KDPA for income-eligible buyers purchasing in the city of Dallas. Forgivable loans available.
Forgivable LoanDown payment and closing cost assistance for Fort Worth residents. Income limits apply.
DPA AvailableUp to $40,000 in assistance for low-income first-time buyers in the Austin area.
Up to $40KCounty-wide DPA program for Harris County homebuyers. Covers down payment and closing costs.
County-WideSee what your monthly payment looks like with zero and low down payment programs. Adjust the numbers to match your situation.
Three 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.