Smartest way to
own a home

What can I afford in the Bay Area?
This will not affect your credit score.

Recently bought homes

$650,000 $4,355 /mo
4
2.5
2,018 sqft
Concord

“ZeroDown has been transformative for me and my family”

Saved $146K in down payment and closing costs

$1,200,000 $8,040 /mo
3
2
1,167 sqft
Oakland

“A home of our own, a place for all of our memories to be founded”

Saved $270K in down payment and closing costs

$1,150,000 $7,705 /mo
3
2
1,239 sqft
San Carlos

“Can't be an easier transition between renting and owning than ZeroDown”

Saved $259K in down payment and closing costs

$1,250,000 $8,375 /mo
4
2
2,600 sqft
Oakland

“ZeroDown made it possible for us to have the peace of mind knowing that we have a home here”

Saved $281K in down payment and closing costs

$800,000 $5,360 /mo
1
1
1,293 sqft
Oakland

“What felt out of reach, ZeroDown made it happen within 30 days”

Saved $180K in down payment and closing costs

$665,000 $4,456 /mo
2
1
730 sqft
San Francisco

“Super personalized service - super fast response time”

Saved $150K in down payment and closing costs

How ZeroDown works

Stop renting, start owning

  1. ZeroDown buys your home

    Choose any home on the market. We'll make an all cash offer on your behalf.
  2. Build towards ownership

    A portion of your payment goes toward building ownership in your home.
  3. You control when you buy

    Put the purchase-credits purchase-credits represent a percentage of the home value and you earn them over time.
    disclaimers
    that you've built up towards buying your home from ZeroDown.

What can I afford in the Bay Area?

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More information

Your questions, answered.

What is ZeroDown?

ZeroDown is creating a new pathway to homeownership in the San Francisco Bay Area. Homebuying isn’t just expensive here—it’s cost-prohibitive. So the majority of people end up renting, as a cheaper, but wasteful alternative.

But what if there was an option between renting and owning? That’s where ZeroDown comes in: we buy the home you want. You move in, pay us a fixed monthly amount and build purchase-credits purchase-credits represent a percentage of the home value and you earn them over time.
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in your home each month.

Is ZeroDown a loan?

No, ZeroDown is not a lender and you are not getting a mortgage. Instead, you partner with ZeroDown to buy your home for you and build purchase-credits every month.

How is the monthly payment calculated?

Your monthly payment is based on the value of the home you select and will not change as long as you live in your home. This is the only payment you’ll ever make to ZeroDown and we’ll take care of property taxes and home insurance. No hidden costs, no hidden fees, ever!

A portion of your payment goes toward building purchase-credits purchase-credits represent a percentage of the home value and you earn them over time.
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, the rest goes toward leasing the home.
Click here to calculate your monthly payment.

Can I choose any home available or do I have to choose a home from ZeroDown’s inventory?

You are free to find your home however you’d like – shop online using one of the many home search engines or work with one of our top-rated ZeroDown partner agents who live and work in the areas where you wish to live.

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 experts are here to help.