Homeownership
made possible
Get Started
How ZeroDown works
We are creating a new pathway
to homeownership
ZeroDown let's you move into your dream home with no down payment!
We buy the home you want, you move in without a down payment and
build towards ownership every month.
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Signup and qualify
Provide the required financial information, we determine the maximum monthly payment you can afford.
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Choose your home. Move in.
Find the home you want on your own or with one of our broker partners, and we buy it. Move in without a down payment. Instead of paying rent to your landlord, you pay us toward owning your house.
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Build towards homeownership
Build towards homeownership with monthly payments. You earn purchase-credits purchase-credits represent a percentage of the home value and you earn them over time.
disclaimers every month, much like stock options at your workplace.
Benefits
Stress free ownership
- No down payment, just predictable monthly payments. No hidden fees, no surprises!
- No long term commitment; flexibility to move after 2 years
- Free up capital for other investments
- Completely protected from volatility in home prices by locking in the price at which you can buy the home or cash out
- White glove homeowner concierge
Economics
Cost comparison
Select the amount of your future home or play around to see what the monthly payment you will get with ZeroDown.
Home value
$1000000
Mortgage
(30 years, 10% down payment, 5.5% interest rate)
* Monthly payment includes taxes, insurance and other costs (PMI). We used the Bay Area median to calculate these numbers; actual costs will depend on specific home and location. This data is for illustrative purposes and Bay Area based only. Actual costs may vary depending on the specific home.
ZeroDown Advantage
The smartest way to buy a home
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Aligned incentives
Our goals and incentives are aligned: you want your home to be a great investment and since you can leave anytime after 2 years, we want your home to be a great investment.
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Powered by world-class tech
In addition to world-class real estate agents, you get all the benefits of ZeroDown's real estate expertise and data science, when it comes to making a decision on which homes to consider.
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All cash offers
ZeroDown makes all-cash offers and present the most desirable terms when you're ready to buy, giving you the best shot of winning in a competitive market such as the Bay Area.
More information
Your questions, answered.
We know buying a home is a big decision. We document the ins and outs of buying and owning with ZeroDown in our FAQ. If you have more questions, our dedicated guides are here to help.