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Why ZeroDown?

At Zero Down House, we provide professional consultation, customized loan solutions, special offers, and fast application processing. Our dedicated team ensures a smooth and personalized home buying experience, making your dream home a reality.

Professional Consultation

Our consultants are dedicated to guiding you through every step of the mortgage process, ensuring you understand your options and make informed decisions.

Special Offers

We offer special promotions and incentives that can save you money and provide additional benefits, making your mortgage experience even better.

Customized Loan Solutions

Our streamlined application system ensures that your loan is processed promptly, allowing you to move into your new home faster without the usual delays and complications.

Fast Application Processing

At Zero Down House, we understand that every homebuyer is different, and we work closely with you to create a loan plan that fits your budget and lifestyle.

Explore your ideal solution

Here is a detailed mortgage comparison to help you clearly understand each loan program.
Contact us today for a professional assessment and in-depth analysis tailored to your needs!
VA
FHA
USDA
HomeReady

Eligibility

Veterans and active-duty military
Any borrower
Low/moderate-income
in rural areas
Low/moderate-income borrowers

Down Payment

No
3.5%
No
3%

Credit Score

620⬆
580⬆
640⬆
620⬆

Mortgage Insurance

VA fee
Upfront and annual fee
Upfront and annual fee
Private insurance

Income Limits

No
No
Yes
Yes

Additional Benefits

No down payment,
lower rates
Lower credit score needed, low down payment
No down payment,
low rates
Low down payment, flexible terms
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How it works

Our step-by-step guide will take you through each stage, from pre-approval to closing, so you know what to expect and how to prepare
01
Initial Consultation
We start with a free consultation to understand your needs and goals.
02
Pre-Approval

Submit your financial info to get pre-approved and know your budget.

03
Application

Fill out the loan application with our assistance.

04
Document Verification

Provide necessary documents for verification.

05
Underwriting

Lender reviews your application and documents.

06
Closing

Finalize the loan, sign documents, and complete your home purchase.

Curious about your potential mortgage payments?

Use our mortgage calculator to estimate your monthly payments and see how much home you can afford.
Get started now to plan your financial future with confidence.

Calculate Now
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Coordinating program list

We offer various options to make homeownership accessible.
Each program provides unique benefits to meet diverse financial needs, ensuring you find the right support for your home buying journey.
Texas State Affordable Housing Corporation (TSAHC)
This organization provides down payment assistance grants and mortgage credit certificates to eligible homebuyers.
Homes for Texas Heroes Program
Aimed at teachers, firefighters, and other public servants, this program offers down payment assistance and reduced mortgage rates.
SETH 5 Star Texas Advantage Program
This program provides down payment and closing cost assistance in the form of a grant.
My First Texas Home
This is a Taxable Mortgage Program (TMP) that offers down payment and closing cost assistance.
Harris County Downpayment Assistance Program (DAP)
Specifically for Harris County, this program provides financial assistance for down payment and closing costs.

Ready to Own Your Home?

Take the first step towards homeownership.
Fill out the form to get started!

Schedule a Free Consultation
Register
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20 Misconceptions About Down Payment Assistance

Only First-Time Homebuyers Qualify
Many down payment programs are available to repeat buyers as well.
Income Limits Are Too Low
Many down payment programs have surprisingly high income limits.
It’s Only for Cheap Homes
Many programs apply to homes well above the area’s median price.
Only for Rural Areas
Programs exist for urban and suburban areas too.
It Will Delay Closing
If done correctly, using down payment assistance shouldn’t delay your closing.
It Affects Mortgage Interest Rates
Generally, your assistance shouldn’t affect the rate you get on your primary mortgage.
You Must Be a U.S. Citizen
Some programs are available to non-citizens as well.
You Can’t Buy a Fixer-Upper
Some programs specifically aim to help people buy and renovate older homes.
You’ll Be Penalized for Selling Early
While some programs require you to stay for a few years, many don’t have this requirement.
You Can’t Have Owned a Home Before
Some programs are available to those who have owned homes in the past but don’t currently.
It’s Free Money
Most down payment programs are loans or grants that may have conditions attached, like living in the home for a certain number of years.
You Need Perfect Credit
While credit matters, it doesn’t have to be perfect. Each program has its own criteria.
It’s Too Complicated
With the right guidance, navigating most down payment programs can be straightforward.
You Can’t Use It with Other Programs
Often, you can combine down payment assistance with other grants and programs.
Only Banks Offer Them
Many different organizations, including non-profits and government agencies, offer programs for down payment assistance.
Only Minorities Qualify
Programs are generally open to people of all backgrounds.
It’s Only for Single-Family Homes
Programs often apply to condos and townhomes too.
It’s Only for the Down Payment
Some programs can also be used to help with closing costs.
It’s Only for People with Kids
Many programs are available to individuals and couples without children.
It’s a Scam
While you should be cautious and do your research, many legitimate programs are out there. Believe it or not, we have had clients walk out of open houses for builders at a new home site. We had all the numbers crunched with builder incentives and how they could purchase a new home with zero down payment. Many people cannot accept that a home can be purchased with little to no money out of pocket.