National & State Grant Programs

Buy Your Home With Zero Down Payment.

Item: Mortgage Loan Process
Rating: 5
Author: Mitchell Dunn

Access up to 5% in down payment assistance through exclusive grant and deferred payment programs. Whether you are a first-time homebuyer, a public servant, or simply need help covering closing costs, find out which zero-down options match your profile.

See If You Qualify Schedule Strategy Call

Up to 5% Purchase Price Assistance

Credit Scores as low as 580

100% Forgivable Options

100% Forgivable Grants

Access up to 3.5% in upfront assistance that never has to be repaid, provided as an immediate grant or forgiven after 3 years.

Flexible Credit Requirements

Secure homebuyer grants tied to FHA and USDA loans with qualifying FICO scores starting as low as 580.

Not Just For First-Timers

Current homeowners, medical personnel, educators, and first responders can bypass standard first-time buyer restrictions.

0% Deferred Payments

Cover your entire down payment using deferred secondary liens that require absolutely zero monthly payments.

Your Path to Zero-Down Homeownership

We have removed the biggest barrier to buying a home. Here is how our automated grant-matching process works.

1

Submit Your Profile

Complete our secure 60-second questionnaire. We analyze your timeline, location, and estimated credit to match you with state and national grant options.

2

Program Matching

We review dozens of programs to find your maximum eligibility, whether it is a 100% forgivable grant or a 0% deferred secondary lien.

3

Close On Your Home

Get pre-approved, shop for your dream home, and let the assistance cover your required 3.5% or 5% down payment at the closing table.

Basic Qualifications

These programs are widely accessible. See if you meet the baseline criteria to qualify for upfront assistance.

Minimum 580 Credit Score

We have programs that accept FICO scores as low as 580 via Open Mortgage and M1 Dynamo.

Homebuyer Education

At least one borrower must complete a HUD-approved homebuyer counseling course prior to closing.

Primary Residences Only

The property must be used as your primary residence; standard single-family homes, townhomes, and approved condos are eligible.

FTHB or Public Servant

First-time buyer rules apply to some programs, but are waived for educators, medical personnel, and first responders.

Frequently Asked Questions

Everything you need to know about qualifying for zero-down programs.

Do I have to pay the grant back?

It depends on the program you select. We offer 100% forgivable grants that never require repayment, as well as 0% interest deferred options that require no monthly payments[cite: 2].

Is this only for first-time buyers?

No. While some grants are specifically for first-time buyers, several of our national DPA programs do not restrict eligibility solely to first-time homebuyers[cite: 2]. Programs like M1 Dynamo also offer special exemptions for current homeowners who are public servants, medical personnel, or educators[cite: 2].

What credit score do I need?

We work with a wide range of credit profiles. You can qualify for select down payment assistance programs with a minimum FICO score of 580[cite: 2].

Can I buy a multi-family or manufactured home?

Yes. While all programs require the home to be your primary residence, certain programs allow you to purchase 2-unit properties and double-wide manufactured homes[cite: 2].