Down payment assistance programs that fit your life
Seven real, published loan structures — 100% financing combos, 1% down grants, CalHFA, medical professional, and VA paths. Compare them side by side, then check your eligibility in 60 seconds.
Seven ways to buy with little money down
Every program below is a real, published loan structure — not a gimmick. Pick the path that fits your credit, income, profession, and state.
FHA 100% Combo
A 96.5% FHA first mortgage paired with a 3.5% second lien for 100% financing. Borrower cash can be $0. No income cap, no first-time-buyer requirement, credit from 600.
V1-FAST 100
A 96.5% FHA first plus a down-payment second for 100–101.5% CLTV — with forgivable-second tiers. No income cap. Built for buyers who want the combo with a softer second lien.
1% Down Grant
Put 1% down and receive a 2% grant up to $7,000 — start with 3% equity on a conventional loan, nothing to repay. Income at or below 80% of area median income; max loan $350,000.
Community 1% Down
1% down plus a 2% grant up to $6,000 on Freddie Mac Home Possible. Income limits apply and availability is zip-code based — check whether your area qualifies.
CalHFA Combos
California's own assistance: a CalPLUS first mortgage stacked with MyHome (3.5%) and ZIP silent seconds for down payment and closing costs. First-time buyers; income limits apply.
Medical Professional Mortgage
MedPro Premier: 100% financing to $2M with no PMI and student loans excluded from DTI. MedPro Advantage: 95% for more clinical titles. Close up to 150 days before your start date.
VA Loans
100% financing with $0 down and no monthly PMI for veterans, active-duty service members, and eligible surviving spouses. We are a VA-approved lender.
See what you qualify for in 60 seconds
Free eligibility check — no obligation. A real loan officer reviews every check.
Program questions, answered
Which down payment assistance program is right for me?
It depends on your credit, income, profession, and state. The 100% combos have no income cap; the 1% down grants are income-limited at 80% of area median income; CalHFA is California-only; VA is for veterans and active-duty service members; MedPro is for medical professionals. Take the 60-second eligibility check to get matched.
Can I really buy with $0 down?
Yes. The FHA 100% Combo pairs a 96.5% FHA first mortgage with a 3.5% second lien for 100% financing. V1-FAST 100 adds a forgivable second. VA loans offer 100% financing with no monthly PMI for eligible veterans.
Do any of these programs have income limits?
The 100% combos (FHA 100% Combo, V1-FAST 100) have no income cap. The 1% down grants cap income at 80% of area median income, and CalHFA uses county income limits.
What credit score do I need?
FHA combos work with scores from 600. Medical professional mortgages generally look for 680+. The 1% down grants follow conventional underwriting.
Are these programs available in my state?
We serve buyers in Arizona, California, Florida, Georgia, and Texas. Program availability varies by state — for example, CalHFA is California-only and some combos exclude specific states. Check your eligibility to confirm.
See what you qualify for
Tell us where you want to buy and how much you can put down. We'll match you with the assistance programs that fit — 100% combos, 1% down grants, or CalHFA — and walk you through every step.