Homeownership, Made Possible Homeownership, Made Possible

made possible

We buy the home you want, you move in without a down payment and build towards ownership every month.

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ZeroDown Mission

ZeroDown is the stress-free, affordable homeownership solution

At ZeroDown, we're driven by the radical idea that professionals with steady jobs and healthy finances should be able to afford homes - even in the Bay Area. That's why we've come up with an alternative to the rent-or-own dilemma, offering the benefits of homeownership with the flexibility of renting.

How does ZeroDown work?
Sign up and qualify

Sign up and qualify

Provide the required financial information, we determine the maximum monthly payment you can afford

Choose your home

Choose your home

Find the home you want on your own or with one of our broker partners, and we buy it.

Move in

Move in

Move in without a down payment. Instead of paying rent to your landlord, you pay us toward owning your house.

Build towards ownership

Build towards ownership*

Build towards homeownership with monthly payments. Purchase-credits* vest to you every month (just like stock options at your workplace).

Welcome to stress-free homeownership

  • No down payment, just predictable monthly payments
  • A minimum commitment of two years instead of a 30-year mortgage
  • One number to consider, no hidden fees, no surprises!
  • Free up capital for other investments
  • You choose the neighborhood where you want to live
  • Buy the home from us at any point using the purchase-credits* you've built, or
  • Cash out your purchase-credits* when you move out
  • A dedicated ZeroDown concierge

Our kind of homeownership means no down payment

home value

Home Value

Select the amount of your future home or play around to see what the monthly payment you will get with ZeroDown.

Monthly Payment1 Down Payment
ZeroDown $6,700 $0

(30 years, 10% down payment, 5.5% interest rate)

$6,731 $100,000

(1) 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.

We believe that everyone should have access to homeownership
How can ZeroDown offer this deal?

How can ZeroDown offer this deal?

ZeroDown is able to make this possible because:

  • As a ZeroDown resident, you’re not just our customer—you’re our homeownership partner. This means that our goals and incentives are aligned: we both want your ZeroDown home to appreciate in value.
  • 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.
  • We also make money from our partnership with trusted real estate broker partners via commission rebates.