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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.

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