How does Zero Down work?

1
Choose your home.
We buy the home you want. You could visit open houses with our broker partner or if there is a home on the open market you already like, tell us about it.
2
Move in.
You move in without a down payment, and instead of paying rent to your landlord, you pay us towards owning your house.
3
Build home equity.
Pay monthly and build ownership in your home every month. Home equity vests to you monthly, just like stock options at your workplace.

No down payment and lower monthly payments than a mortgage

Home value:

zerodown Mortgage (30 year, 10% down payment, 5% interest) (**)
Monthly payment (*) $6,166 $6,379
Down payment $0 $100,000
This sounds too good to be true, how's Zero Down able to offer such a good deal?
(*) This monthly payment includes taxes, insurance and other costs (PMI). We have used the Bay Area median to calculate these numbers in this example, the actual costs will depend on the specific home and location.
(**) This is a 30 year fixed mortgage with 10% down payment and 5% interest.
This data is for illustrative purposes only. Actual costs may vary depending on the specific home.

Welcome to stress free homeownership

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One monthly payment to consider
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No loooong term commitment, flexibility to move after two years
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Cash out your equity when you move out
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At any point, you can buy the home from us, using the equity you've built so far
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Homeownership concierge to support you

Living in a Zero Down home

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White glove concierge service
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Help find high quality, vetted service providers
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Help find high quality service providers
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Help where you need it, when you need it
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Discounts and credits
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Manage all your home related concerns in one dashboard

A few FAQs...

What is Zero Down?

Zero Down is an affordable homeownership solution in the San Francisco Bay Area.
Homeownership here — even thinking of it—has become financially impractical. We end up paying rent as a cheaper, but wasteful alternative.
Here's what we propose: We buy the home you want, you move in without a down-payment, and instead of paying rent to your landlord, you pay us towards owning your house. In short, you build ownership in your home every month. Home equity vests to you monthly, just like stock options at your workplace.
Zero Down blends the security of ownership with the flexibility of renting.

Apply to get early access.

What is home equity?

Your home equity represents your ownership in the home. If you’ve accumulated 2% of home equity, you own 2% of your home, i.e., if your home is worth $1,000,000 your equity is worth $20,000.

Who is Zero Down for?

Zero Down is best for people who are:

  • Thinking about buying a home, but don’t have a down payment. For example, you may be actively paying off student loans and have fewer savings despite a high paying job.

  • Looking for flexibility. Zero Down lets you move out without the hassle of selling the home.

  • Not able to find a rental property they like. You might be looking for an area with good schools or proximity to work and find out that the for sale inventory of homes is a lot larger than rentals.

If you are priced out of homeownership or want the flexibility of renting with the benefits of owning, you may want to consider getting early access. Currently, the program is open to qualified homebuyers who intend to live in the home themselves for at least 2 years.

This sounds too good to be true. How is Zero Down able to offer such a good deal?

We believe that everyone should have access to homeownership. The reason we are able to offer this deal is because:

  • as your equity partner, all of our incentives are completely aligned -- we all make money if the home value goes up.

  • we work with real estate broker partners and split commissions with them.

  • we are backed by real estate investors from whom we earn a small fee for managing a portfolio of homes for them.