Buy With $0 Down — See What You Qualify For
Four real paths to buying a home with nothing down: VA loans, FHA 100% combos, V1-FAST 100, and medical professional loans. Answer 7 questions and we will match you to every $0-down option you qualify for.
Four ways to buy with nothing down
VA Loans
100% financing, $0 down, no monthly PMI — for veterans, active-duty servicemembers, and eligible surviving spouses. We are a VA-approved lender.
VA DetailsCheck eligibility
FHA 100% Combo
Two loans, one closing: 96.5% FHA first plus a second lien covering the 3.5% down. No income limits, 600 credit minimum.
Combo DetailsCheck eligibility
V1-FAST 100
100% with a 0% second lien — deferred and forgivable. Zero monthly payment on the second; Supreme tier reaches 5% assistance.
FAST DetailsCheck eligibility
Medical Professional
$0 down, no PMI for doctors, dentists, residents, and more — student loans excluded from your ratios, close up to 150 days before residency starts.
MedPro DetailsCheck eligibility
What "$0 down" really means
$0 down is not $0 cost. You will still have closing costs, prepaid taxes and insurance, and moving expenses — typically 2–5% of the price. What $0 down does remove is the biggest barrier: the 10–20% lump sum. The 60-second check shows you the full picture, including estimated cash to close.
Program guidelines change frequently. Verify the current guidelines and matrix before locking or quoting. This is educational information, not a commitment to lend. Equal Housing Opportunity.
Common questions
Is a $0-down mortgage real or a gimmick?
Real — VA loans and structured 100% combos close every day. The gimmick version is ads that hide the closing costs. We show you the full cash-to-close picture before you commit to anything.
Do I need perfect credit for $0 down?
No. VA has no set minimum (lender underwrites); our FHA 100% Combo works down to 600 credit.
What will I still pay out of pocket?
Typically closing costs and prepaids — roughly 2–5% of the price — plus moving costs. The down payment itself can be $0.
Can first-time buyers use $0-down programs?
Yes — most $0-down buyers are first-timers. Some paths have no first-time-buyer requirement at all.
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 programs that fit — VA loans, 100% combos, 1% down grants, or CalHFA — and walk you through every step.