Q&A · Down Payment Assistance
Can I really buy a home with $0 down?
Yes — but it's two liens closing together, not a single zero-down loan.
How $0 down actually works
An FHA first mortgage covers 96.5% of the price. A second lien covers the other 3.5% — your down payment. They close together, so your cash to close can be $0 (plus any seller credits for closing costs).
What the second lien looks like
- FHA 100% Combo: repayable second
- V1-FAST 100: 0% deferred second, forgiven over time while owner-occupied
What still costs money
Earnest money deposit, appraisal, and inspection come out of pocket — but the down payment itself can be $0.
Want to see if you qualify? Send the 60-second eligibility form — your state, income range, and credit estimate. We'll match you to every program that actually fits. Check my eligibility →