The security of homeownership, the flexibility of renting
Ready for a home? But not ready for a down payment? Now there's a third option between renting and owning.
Move into the home you want, pay a monthly rent that builds towards a future down payment, and buy the home whenever you are ready -- whether that's in 3 months or 3 years.
1.5 million people a month are searching for homes on ZeroDown
Step inside a ZeroDown home
From game designers to pastors, investors and engineers, our members are unlocking home ownership faster than they ever dreamed.
How it works
1
Look for your new home
Go shopping for homes with a ZeroDown partner agent. Have your own agent you want us to work with? No problem, just let us know!
3
Move in
Move into your dream home. You'll pay a monthly rent. With each rent payment, you'll earn Purchase Credits (think of this as your future down payment savings) for the home.
2
ZeroDown buys a home on your behalf
Once you select a qualifying home, ZeroDown buys it with a cash offer. We cover all related fees and taxes. You'll provide only a 2-3% Starter Payment.
4
Buy when you're ready
Over the next 3 years, you can buy the home using the Purchase Credits you've been earning each month. If you decide you don't want the home, you can walk away from the deal too.
1
Look for your new home
Go shopping for homes with a ZeroDown partner agent. Have your own agent you want us to work with? No problem, just let us know!
2
ZeroDown buys a home on your behalf
Once you select a qualifying home, ZeroDown buys it with a cash offer. We cover all related fees and taxes. You'll provide only a 2-3% Starter Payment.
3
Move in
Move into your dream home. You'll pay a monthly rent. With each rent payment, you'll earn Purchase Credits (think of this as your future down payment savings) for the home.
4
Buy when you're ready
Over the next 3 years, you can buy the home using the Purchase Credits you've been earning each month. If you decide you don't want the home, you can walk away from the deal too.
Find your simple pricing
How does it work?
Rent to own is not a typical mortgage or regular lease. ZeroDown buys the home you want, you move in with no down payment, then you pay a monthly rent (that does not change) until you want to buy the home. Each month, you earn Purchase Credits (think of this as future down payment savings) that you can use to eventually buy the home. If you're not sure what rent to own is, read our detailed blog here
Looking for a regular mortgage instead? We got you covered with the most competitive rates around.
What's included?
Predictable monthly payments
Keys in as little as 2 weeks
Cash offer on the home of your choice
Option to buy the home with no competitive offers
Ability to walk away when your lease ends
24/7 Concierge Service
Keys in as little as 2 weeks
Cash offer on the home of your choice
Option to buy the home with no competitive offers
Ability to walk away when your lease ends
24/7 Concierge Service
Get prequalified now
Not interested in renting? We’ll help you find the best mortgage.
Buy a home now
Complete the entire homebuying process online. We'll walk you through every step making sure you get the best home, at the best price, at the best rates. Learn more here.
Cash offer upgrade
Get the help to make a cash offer on your dream home. Win the bid faster and move in sooner.
Get prequalified in under 3 minutes
Got 3 minutes? We can get you prequalified for a home loan in that time. Figure out your buying power now.
Lowest rates
Want low rates? Don’t know where to start? We do. We’ll do a comprehensive search of the available mortgage rates to find you the lowest one possible.
Find your dream home with the most advanced home search on the planet.
Search
If you can think of it, you can search for it. Look for homes with a view or browse by styles, from Victorian homes to Mansions. We’ve also got curated collections to get you inspired.
Drive
Take our car for a spin to get an unprecedented feel for your future neighborhood. Explore cities from Austin and Miami to San Francisco and Los Angeles.
DRIVETV
You're driving through ...
Drive
Take our car for a spin to get an unprecedented feel for your future neighborhood. Explore cities from Austin and Miami to San Francisco and Los Angeles.
Track
Keep track of every listing, price change, and relevant piece of information in your area with our News Feed.
You can also look up recommended homes, or see what homes other users are looking at with ZeroDown HotSpots.
You can also look up recommended homes, or see what homes other users are looking at with ZeroDown HotSpots.
Research
Information you won’t find anywhere else - the most in-depth analysis of every home, neighborhood, town, and city.
We’ve got guides that will fill you in on where you want to live: from Cost of Living to Quality of Life and Market Metrics.
We’ve got guides that will fill you in on where you want to live: from Cost of Living to Quality of Life and Market Metrics.
What’s new on ZeroDown
We’re working around the clock to change the homebuying experience. Here’s some new stuff we’ve rolled out.
Explore 100+ cities across the U.S.
San Francisco
Find your Victorian style home among the steep and iconic hills of the Golden City.
San Francisco homes for sale 
Los Angeles
Visit the Mediterranean when you move into the many stucco styles in Los Angeles.
Los Angeles homes for sale RaleighHoustonSan AntonioCambridgeOrlandoLas VegasFort WorthBoulderFremontOaklandMemphisBaltimoreBostonSan JosePhoenixPhiladelphiaKnoxvilleDallasTampaSanta MonicaSacramentoNew YorkSan Diego
San Francisco
Find your Victorian style home among the steep and iconic hills of the Golden City.
San Francisco homes for sale >
Los Angeles
Visit the Mediterranean when you move into the many stucco styles in Los Angeles.
Los Angeles homes for sale >