Do you know how much home you can afford? Get Pre-Approved* Now!

0-down program

Not everyone is prepared for a down payment when purchasing a home, luckily we have solutions.

What is the 0-down program?

Our 0-down programs are essentially a silent second mortgage. Created for those individuals who meet all of the necessary criteria to qualify for lending, but have nothing set aside for a down payment. With this program your down payment is not paid during the life of your loan until you sell or refinance your home. 

Looking for another 0-down payment option?

Our Washington Bond program. Is another down payment assistance program that we can provide homebuyers who have a lower combined income and qualify for either a VA Loan, FHA Loan or USDA Loan through Fairway Independent Mortgage Corporation the opportunity to borrow the down payment for their home.

WA Bond program requirements:

  • A household income no greater than $145,000
  • A credit score of at least 620
  • You’re otherwise qualified for a home loan

To learn which downpayment assistance program is the best fit for you fill out this quick form with your location, household size, and income. Our Homeownership staff will then reply with recommendations curated for you. 

Our eligible loans for the 0-down programs

VA Loan

  • For military veterans and qualified surviving spouses
  • Flexible down payment
  • Adjustable or fixed rate
  • Low closing costs

Federal Housing Administration (FHA) Loan

  • Low down payment
  • Flexible income and credit requirements
  • Adjustable or fixed rate


Ready to learn more?

The home buying process can be stressful for some, but I can help you navigate your loan options and together we can achieve your goal of being a home owner.