You could buy a home with $0 down.
Down payment is the #1 reason people put off buying — and it’s often the easiest part to solve. See which assistance programs you qualify for.
$0 down options
Assistance programs can cover your down payment so you can buy sooner than you think.
Help with closing costs
Some programs also help cover closing costs — less cash needed at the table.
Flexible credit guidelines
First-time buyer programs are often more forgiving than you’d expect.
“I thought I needed 20% down. They found me a program that covered almost all of it — I’m a homeowner now.”
Check Your Eligibility
No impact to your credit score to start.
Licensing varies by state.
🔒 Encrypted with SSL/TLS · Soft inquiry — no credit score impact to see your options.
What is down payment assistance?
Down payment assistance helps buyers cover some or all of their down payment and closing costs through grants or second loans, so you can buy sooner with less cash out of pocket. Programs vary by state, income, and location. Pacific Lending helps first-time and repeat buyers find and qualify for the right one.
Built for first-time & general homebuyers
Real advantages tailored to your situation.
$0 down options
Assistance programs can cover your down payment so you can buy sooner than you think.
Help with closing costs
Some programs also help cover closing costs — less cash needed at the table.
Flexible credit guidelines
First-time buyer programs are often more forgiving than you’d expect.
A guide the whole way
We match you to the right program and walk you from pre-approval to keys.
How it works
Three simple steps from question to keys.
- 1
Tell us your goal
Share your price range and timeline — takes about a minute.
- 2
Verify & match
Confirm your number and we match you to assistance programs you may qualify for.
- 3
Get pre-approved
Receive your options and a clear, no-pressure path to your first home.
Frequently asked questions
Do I really not need a down payment?
Many buyers qualify for programs that cover most or all of the down payment through grants or second loans. Availability depends on your location, income, and credit — we’ll check what you qualify for.
Do I have to be a first-time buyer?
Not always. Many "first-time buyer" programs simply require that you haven’t owned a home in the last three years, and some assistance programs have no first-time requirement at all.
What credit score do I need?
Guidelines vary by program, but many assistance programs work with lower scores than a conventional loan. Tell us your situation and we’ll find your best fit.
Is there a catch with assistance money?
Programs differ — some are grants you never repay, others are low- or no-interest second loans forgiven over time. We’ll explain exactly how each option works before you commit to anything.