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Crestico Funding
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  6. 100% Down-payment Program

100% Down Payment Assistance Programs to Help You Buy a Home

Buying a home should not be delayed because of a large down payment. Crestico helps qualified homebuyers explore 100% Down Payment Assistance Programs that make homeownership more affordable. By combining eligible FHA loans, VA loans, grants, or assistance programs, many buyers can purchase a home with little or no money needed for the down payment.

Whether you are buying your first home or purchasing again, our mortgage specialists help you find the right home financing solution based on your financial goals.

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What Is a 100% Down Payment Assistance Program

A 100% Down Payment Assistance Program helps eligible homebuyers finance the full purchase price of a home through a combination of a primary mortgage and an approved assistance program. Depending on the program, the down payment may be covered through a grant, a forgivable loan, or a deferred second mortgage.

Many programs can also help reduce closing costs, making home financing more accessible for qualified borrowers. These programs are commonly paired with FHA loans, VA loans, and other government backed home loan options.

Family achieving homeownership through a 100% down payment assistance program with Crestico home loans.

Who Can Benefit From Down Payment Assistance

Down payment assistance is designed for buyers who qualify under specific program guidelines. You may qualify if you are:

  • A first time home buyer
  • Purchasing a primary residence
  • Looking for affordable home financing
  • Buying with limited savings
  • Eligible for FHA or VA financing
  • Meeting program income and credit requirements

Our mortgage experts review every available option to help you secure the best financing available.

Step 1

Check Eligibility

Step 2

Payment Option

Step 3

Get Approved

Step 4

Close the Loan

Step 5

Repayment & Loan Terms

How Crestico Helps You Secure 100% Home Financing

Finding the right assistance program requires more than simply choosing a loan. Crestico compares multiple local, state, and national down payment assistance programs to determine which options fit your financial profile.

Our experienced loan professionals guide you through every step of the mortgage process, from eligibility review to loan approval and closing. We explain every financing option clearly so you can make confident decisions throughout your home buying journey.

Benefits of 100% Down Payment Assistance Programs

Buy a Home Without a Large Down Payment

Qualified borrowers may purchase a home without making a traditional down payment.

Access Government Backed Home Loans

Many assistance programs work alongside FHA loans and VA loans, making qualification easier for eligible buyers.

Reduce Your Upfront Home Buying Costs

Some assistance programs help cover both the down payment and eligible closing costs.
1

Use Grants and Forgivable Assistance

Certain programs provide financial assistance that does not require repayment when program requirements are met.

Combine Multiple Assistance Options

Eligible buyers may combine down payment assistance with gift funds, seller credits, or lender incentives.

Available Beyond First Time Buyers

Several programs also serve repeat homebuyers who meet program qualifications.

Frequently Asked Questions

Can I buy a home without a down payment?

Yes. Qualified buyers may purchase a home using approved 100% Down Payment Assistance Programs that work alongside eligible mortgage products.

Is this only for first time home buyers?

No. Some assistance programs are available for both first time and repeat homebuyers.

Can down payment assistance also cover closing costs?

Certain programs offer assistance for eligible closing costs in addition to the down payment.

Do FHA loans qualify for down payment assistance?

Many FHA loan programs work together with approved down payment assistance programs, depending on program guidelines.

How do I know if I qualify?

A Crestico loan specialist will review your financial profile and recommend the home financing options that best fit your situation.

Get the Best Home Loan Rates  With Crestico

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Henry D.
Marisol was extremely helpful and successful in resolving the problems associated with my loan. We are very happy with our new loan.
Maria C.
They were always available to answer my questions and made the entire process simple and straightforward. I got a great rate and the support I needed to close on time. I wouldn't hesitate to use them again or recommend them to family and friends!
Nik N.
I couldn't have had a more amazing experience with our realtor - Diane Phillips. Diane is extremely knowledgeable and personable. She got to know me and my...
Tatiana G.
Houtan and Marisol are a great team. They helped my dad with his refinance and made the process seamless. They answered every question we had and came up with solutions if we ran into any issues. Thanks again!
Wesley P.
I had an amazing experience.I received all the information, support and they were very Knowledgeable of the information that I needed.
George H.
Excellent Mortgage Broker – Highly Recommended! I had an amazing experience working with Houtan and his team at Crestico. From start to finish, not only Houtan himself but his entire team made the mortgage process smooth, stress-free, and efficient. Their knowledge and expertise were evident at every step, ensuring I got the best possible loan terms. Communication was outstanding; Houtan was always available to answer my questions, explain complex details in a way that made sense, and guide me through the entire process with confidence. They were proactive, transparent, and truly had my best interests in mind. If you’re looking for a mortgage broker who is professional, reliable, and dedicated to helping you secure the best financing, I highly recommend Houtan and his team. I couldn’t have asked for a better experience!
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive, personable, and knowledgeable. He is incredibly reliable and would answer calls or emails within minutes when I had questions. I can't recommend Houtan enough for buying a house. We had been working directly with a large bank on a loan, and all seemed fine until we had an accepted offer, then we started having issue after issue where there was just no sense of urgency. We almost had to walk away from our house, but Houtan and his team were referred to us in mid escrow, helped us explore multiple options in parallel, and close on time. Houtan was very responsive and on top of everything, presented our options very clearly, patient with all our questions, and really understands the Los Angeles housing market.
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive,...
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive,...
Niloofar S.
As a first time home buyer, taking out a jumbo loan could’ve been quite scary. But Houtan and his team made it a pleasant experience. An amazing team who are always one step ahead of the process.
Mohammad S.
Easy to work with ! Professional people and honest!
Jack M.
Worked with Houtan. He got our loan closed super fast and got us a rate that was lower than what our bank offered us. I'm very happy with Crestico and i recommend them to anyone.
Rebecca S.
Finally a real professional with a heart! Working with Houton makes me feel like having a friend who is on my side, rather than a businessman who is always looking out for #1. He is extremely helpful, knowledgeable, and responsive. He was always happy to explain and strategize with me whenever I needed help. Unlike most realtors and lenders out there who don't want to use their brains and only do easy and mindless paperwork, Houtan has great analytical and investment insights to share with his clients. I wholeheartedly recommend him to anyone who values the rare combo of both thoughtfulness and top-notch expertise.
Ramtin S.
Thank you Houtan and the entire team for going above and beyond every single time. From the onset, you guys gather whatever is necessary to get the job done as quickly and efficiently as possible, always keeping constant communication. My rate and fees are disclosed and never change at the time of signing.
Shayan M.
These guys were a godsend when searching for a home loan. I was first time home buyer and they helped out with the entire process. Everything from the customer service to making sure I was informed for every step of the process was handled exceptionally. I am absolutely ebullient with Houtan and his entire team have given me, and helping me transcend into the status of homeowner.
Pouyan B.
I have been working with Houtan for over 10 years. He and his office have always been great to work with. Excellent communication and great work ethic. I will definitely be back for my other mortgage needs in the near future.
Michael R.
Thank you Houtan and team for helping me secure my home loan! Great communication, customer service and rate! Look no further, call Crestico for all of your home loan needs.
Bronson M.
I want to express my gratitude to Houtan and his team. Houtan is extremely knowledgeable and really takes the time to answer any questions that you have. He wants the best for his clients and I would recommend him to anyone.
Diba P.
I want to take a moment to express my gratitude for Houtan Hormozian and the exceptional service he provided in helping me secure a loan. From our very first conversation, he was attentive, understanding, and incredibly knowledgeable about the lending process. He took the time to explain all the details, answered all my questions patiently, and worked tirelessly to find the best options tailored to my needs. His professionalism and dedication made what could have been a stressful experience into one that was smooth and straightforward. Thanks to Houtan Hormozian, I was able to secure the financing I needed, and I couldn't be happier with the outcome. I highly recommend him to anyone in need of lending services. His commitment to his clients is truly commendable!
Golnaz G.
Houtan and his team are the best. They made the whole process of buying the house so easy for me. Houtan is very professional,knowledgeable , trustworthy and caring. He wants the best for his costumers. I highly recommend him to everyone.
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