You don't always need 20% down. Between state-specific grants, federal programs, and specialized first-time buyer loans, there are numerous ways to reduce your out-of-pocket costs and secure your home.
We navigate the complex landscape of Down Payment Assistance (DPA), zero-down options, and closing cost grants to find the exact programs you qualify for in your state.
The biggest misconception in real estate is that you need 20% down to buy a home. In reality, the average first-time homebuyer puts down between 3% and 6%. Furthermore, there are billions of dollars in public and private funds set aside every year specifically to help people achieve homeownership.
From federal zero-down programs like VA and USDA, to state-level Down Payment Assistance (DPA) grants that you never have to repay, we help you stack these benefits to make buying a home dramatically more affordable.
Backed by the Federal Housing Administration. Very forgiving on credit scores (often down to 580, sometimes lower) and allows the entire down payment to come from a gift or grant.
Fannie Mae (HomeReady) and Freddie Mac (Home Possible) programs designed for low-to-moderate income borrowers. Offers reduced mortgage insurance costs.
Exclusive to eligible veterans, active-duty service members, and surviving spouses. Zero down payment, no private mortgage insurance (PMI), and highly competitive rates.
Most states have a housing finance agency (like MSHDA in Michigan or CalHFA in California) that provides thousands of dollars in down payment assistance to eligible residents.
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