ZeroDown makes your future home happen today

Found a place you love, but don't have the down payment yet? Need to plant roots right now, but finances need more time? Tired of burning money on rent? We can help.

Pick any home for sale, and ZeroDown will buy it with an all cash offer and make it your ZeroDown Home. Pay us a fixed monthly fee and build up Purchase Credits, which go towards buying the home when you're ready. We created ZeroDown so that you don't have to wait to live in the home that you want.

Brace yourself

It's simpler than you'd expect

next home

Feeling like homeownership is out of reach?

We've been there - doing the math and realizing it'll take years to come up with a down payment.

next home

ZeroDown Puts Your Home to Work for You

With each monthly payment, you'll earn Purchase Credits, which add up to a percentage of your ZeroDown Home's price. It's like cash back on your rent. Every month, your rent will feel smaller

Plant your roots, and watch it grow

Earn 15% of the Home's price

by the end of year 5

Congrats to these ZeroDown members and their new ZeroDown Homes

next home

$8,280

Monthly Payment

$1,200,000

Listed Price

SOLD

"Really smooth process, and it allowed us to find a place we are really happy about."

Saved $250k

in down payments and closing costs

$6,888

Monthly Payment

$950,000

Listed Price

SOLD

"The process was fast and easy and a great fit for us. Start to finish, it took us less than six weeks to find and move into our dream home"

Saved $200k

in down payments and closing costs

$6,888

Monthly Payment

$950,000

Listed Price

SOLD

"My favorite part of this process is the ease with which we closed the whole thing"

Saved $200k

in down payments and closing costs

next home

The ZeroDown Commitment

Simple Pricing

One single monthly payment. No hidden fees or costs.

Clear Timelines You Can Rely On

Take up to 5 years to buy your ZeroDown Home from us. Your monthly payment stays the same the entire time. If you're ready sooner, you can buy anytime after 1 year.


Monthly Payment Calculator

After a one-time Program Fee of $10,000 and an all-cash offer, you have a predicable monthly payment.

Get an estimate on your flat ZeroDown monthly payments and the monthly value of your Purchase Credits


Enter Home Price

$
edit
H

CUSTOMIZE YOUR PLAN

I want to buy it after
YEARS

You'll earn
$3,191 / mo
toward owning

(calculation based on your plan to buy after 5 years and assuming a home price appreciation of 5%)

You pay
$0 / mo
but it feels like
-$3,191 / mo


*The final monthly payment may vary slightly based on the specific home and locality

Trusted by employees of

1
ZeroDown buys your home
Choose any home on the market. We'll make an all cash offer
2
Build towards ownership
With every monthly payment, you'll build towards owning your home. Earn 15% of your home price in 5 years
3
Buy when you're ready
Apply your Purchase Credits to buy the home from us anytime after 1 year

What's the catch?

Instead of getting a big downpayment from you, we get a commission from the agent.

We ask that you commit to your chosen ZeroDown Home for at least 1 year, during which you'll mostly run the show i.e., you are responsible for home projects and maintenance (except we'll handle HVAC and roof repairs).

You'll rent your home from us (we'll hold the title) until you buy the ZeroDown Home.

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.