Smartest way to
buy a home

WHAT CAN I AFFORD IN BAY AREA?
This will not affect your credit score.
The smartest way to buy a home

No Down Payment

All Cash Offer

Experts in Your Corner

Locked In Pricing

Recently bought homes

$900,000 $6,030 /mo
2
2.5
1,777 sqft
San Jose
$1,350,000 $9,045 /mo
4
3
1,885 sqft
San Bruno
$800,000 $5,360 /mo
1
1
1,293 sqft
Oakland
$650,000 $4,355 /mo
4
2.5
2,018 sqft
Concord
$1,250,000 $8,375 /mo
4
2
2,600 sqft
Oakland
$1,200,000 $8,040 /mo
3
2
1,167 sqft
Oakland
$1,150,000 $7,705 /mo
3
2
1,239 sqft
San Carlos
$1,350,000 $9,045 /mo
4
3.5
2,166 sqft
Campbell
$750,000 $5,025 /mo
3
2
1,396 sqft
Concord
$1,350,000 $9,045 /mo
4
3.5
3,269 sqft
San Ramon

Benefits

Things our customers love

  • Automatically build towards a down payment over 5 years
  • All-cash offers
  • 7-day closing
  • No hard credit checks
  • White-glove homeowner concierge

Customers

A home of our own, a place for all of our memories to be founded

Starting a life together is choosing to begin a lifelong journey and adventure. Zerodown allowed us to embark on that adventure with a home of our own, a place for all of our memories to be founded; something we didn't think would be possible.

Nicole & Greg
Bought a home with ZeroDown
in Oakland - April 2019

How ZeroDown works

Buy a home with
no down payment

  1. Pick any home for sale. Move in. Get 5 years to close

  2. Apply for qualification to know your buying power

  3. Automatically build down payment every month

  4. Use the down payment built to buy within 5 years

SEE IF YOU QUALIFY

Trusted by employees of

Economics

Simple Pricing

Know exactly what you’re going to pay.
No hidden fees, ever.

Home value

$1000000
ZeroDown
Down Payment
$0
Commitment
2 Years
Monthly Payment*
(includes taxes and insurance)
$6,700

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

More information

Your questions, answered.

What is ZeroDown?

Homeownership -- which used to be an integral part of the American Dream, or at least a check mark on the way to adulthood, is now well beyond reach for many of us. And nobody bears the brunt of the current housing affordability crisis more than young folks, who, compared to their parents and grandparents, find themselves saddled with more debt and in possession of fewer assets.

But it doesn't have to be this way.

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 San Francisco. 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.

Here's what we propose—we buy the home you want and you move in, without a down payment. As you make monthly payments to ZeroDown, you start earning purchase-credits in the home (much like stock options at work). Any time after 2 years - you can choose to either buy the home from us, applying the earned credits towards a down payment OR move and cash your earned credits.

How do I work with ZeroDown?

Working with ZeroDown looks like this:

Signing-Up and qualification - You fill out an online application, linking us to your bank account(s). That gets us started with a picture of your finances, and we work with you to determine a monthly payment you can afford and the maximum value of the home you can buy.

Choosing your home - After qualifying, you’ll be introduced to our partner agent (if you already have an agent you love, no problem), who’ll help you find and tour properties for sale in your preferred neighborhoods. At this point, if you’ve already identified a property you like, feel free to let us know.

Purchasing your home and move-in - Once you’ve pinpointed the home you like, we’ll go through the bidding process together. When our offer is accepted, ZeroDown will close the home on your behalf. You’ll enter into an agreement with us that clearly lays out all the necessary details including but not limited to move-in date, monthly payment, and your rights and responsibilities as a ZeroDown resident.

Will ZeroDown help me find my home?

Absolutely! You’ll be introduced to our partner agent (if you already have an agent you love, no problem), who’ll help you find and tour properties for sale in your preferred neighborhoods.

What are purchase-credits?

Purchase-Credits represent a percentage of the home value. You earn them over time.

What happens to my home if anything happens to ZeroDown?

Under the hood, ZeroDown is actually two businesses—a real estate fund and a technology business.
Your contract is with the real estate fund and even if anything happens to the technology business, your home is guaranteed by the real estate fund and your contract would be honored.

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 guides are here to help.