Learn How Zero Down Home Loans Can Help You Buy a Home

Think you need a large pile of cash sitting in the bank before you can buy a new home? Not necessarily. For qualified buyers, zero-down and down-payment assistance programs can help make homeownership more attainable—especially when saving enough for a traditional down payment is the biggest obstacle. 

Depending on your eligibility, programs such as USDA, VA and Lennar Advantage Down Payment Assistance may offer opportunities to purchase a home with little or no upfront down payment. 

Keep More of Your Savings in Your Pocket 

One of the biggest benefits of a zero-down or down-payment assistance program is that you may not need to put thousands of dollars toward your down payment at closing. This can make a big difference for buyers with steady income who can comfortably afford a monthly mortgage payment but haven't had the chance to save a large down payment. 

Keeping more money in savings may help provide a financial cushion for moving expenses, furnishings, unexpected costs or simply maintaining an emergency fund after you move into your new home. 

Discover 3 Programs That May Help 

1. USDA Financing can offer qualified buyers 100% financing on eligible homes in eligible areas, meaning you may not need a down payment. USDA loans are designed to help make homeownership more accessible in qualifying communities and are subject to income and property eligibility requirements.
2. VA Financing can help eligible veterans, active-duty service members, and other qualifying borrowers purchase a home with 100% financing and no down payment on qualifying homes. VA loans are a valuable homeownership benefit for those who have earned eligibility through their military service.
3. Lennar Advantage Down Payment Assistance offers another potential path for qualified buyers who need help with their upfront costs. The program features a fixed-rate FHA first mortgage combined with a second loan providing 3.5% down payment assistance. The second loan is amortized over 10 years, and there are no lender fees on the second ²

Most importantly, the Lennar Advantage program does not require buyers to be first-time homebuyers, opening the door to qualified buyers who have owned a home before. 

Don’t Let Down Payments Keep You From Homeownership 

For many buyers, the challenge isn't affording a monthly mortgage payment—it's coming up with the cash needed upfront. Zero-down and down-payment assistance programs can help bridge that gap and potentially get you into a home sooner. 

Of course, every buyer's financial situation is different, and program availability, eligibility, income limits, property requirements, credit qualifications, and other terms apply. A qualified mortgage professional can help you determine which option may be right for you. 

Ready to see if you could qualify for a zero-down or down-payment assistance option? Explore your financing possibilities and discover how much closer you may be to owning a new home. Start HERE. 

¹ USDA Financing can offer qualified buyers 100% financing on eligible homes in eligible areas, meaning you may not need a down payment. USDA loans are designed to help make homeownership more accessible in qualifying communities and are subject to income and property eligibility requirements.  

² Certain restrictions apply. The first lien FHA loan program must be originated simultaneously with the second lien Mortgage "Advantage" Plus DPA (LMADPA) program. Nothing herein shall constitute legal, tax, investment, or financial advice. No representation is made regarding your ability to qualify for a home loan or the availability of a home or loan product that meets your needs. This is not a commitment to lend, applicants must qualify. For buyer requirements and LMADPA program eligibility information, contact a Lennar Mortgage, LLC Loan Officer. Homeowners Association (HOA) fees may apply. Lennar Mortgage, LLC (“Lennar Mortgage”) is Lennar’s affiliated lender. Lennar Mortgage’s loan process is voluntary and participation is not required in order to purchase a home from Lennar. Lennar Mortgage, LLC is an affiliate of seller (See Affiliated Business Arrangement Disclosure - https://mcv0gwmvppxkjtntxgnb0-0xn53y.pub.sfmc-content.com/k0mmgz21jwa). Lennar Mortgage, LLC, NMLS # 1058. Consumer Loan License # CL-1058. 17801 S.E. 6th Way, Suite 100A, Vancouver, WA 98683, NMLS #1028455. 

The content provided herein is for informational purposes only. Nothing herein shall constitute legal, tax, investment or financial advice. No representation is made regarding your ability to qualify for a home loan, your ability to improve your credit profile or the availability of a home or loan product that meets your needs. This is not a commitment to lend; applicants must qualify. Lennar makes no guarantee of present or future market conditions. Forecasts, projections and other predictive statements should never be relied upon. You should consult your own accounting, legal and tax advisors to evaluate the risks, consequences and suitability of any real estate transaction. Features, amenities, floor plans, elevations, and designs vary and are subject to changes or substitution without notice. Items shown are artist’s renderings and may contain options that are not standard on all models or not included in the purchase price. Availability may vary. Prices do not include closing costs and other fees to be paid by buyer (including a builder fee, if applicable, as described in the purchase agreement) and are subject to change without notice. This is not an offer in states where prior registration is required. Void where prohibited by law. Copyright ©2026 Lennar Corporation. Lennar, the Lennar logo, Lennar Mortgage and the Lennar Mortgage logo are U.S. registered service marks or service marks of Lennar Corporation and/or its subsidiaries. Seller's Broker: Lennar Sales Corp. Construction License(s): CalAtlantic Homes of Washington, LLC, CALATHW780JN; Lennar Northwest, LLC, LENNANL783JO. Date 09/26