Smartest way to
own a home

What can I afford in the Bay Area?
This will not affect your credit score.

ZeroDown is the easiest transition from renting to homeownership

Many Bay Area professionals are already on a path to homeownership by living in a ZeroDown Home. Come, join them!

Pick any home for sale, and ZeroDown will buy it with an all cash offer and make it your ZeroDown Home. You don't need a down payment. All you need is a steady income. And, you live debt-free in your new ZeroDown Home.

Once you move into a ZeroDown Home —

  • Your ZeroDown Concierge takes care of you. It connects you with high-quality, trusted repair and maintenance providers in your new neighborhood
  • Exclusive member rewards unlock each month. Enjoy Uber, Instacart, Burrow, Feather, Sonos, Ring, Nest, and many more rewards
  • Make it your own with customizations—small or large
  • Buy it from us in as little as 2 years—the down payment gets easier without you realizing it
  • And, your monthly payments don't change for 5 years!

While this is happening, you are living in a beautiful space you love and get to create a home in.

How ZeroDown works

Turn your rent payments into a home

  1. Rent any home for sale with an option to buy in as little as 2 years

  2. ZeroDown will buy your chosen home with a cash offer

  3. Move-in and ramp-up to homeownership in your ZeroDown Home

What can I afford in the Bay Area?

ZeroDown Home is smarter than a Mortgaged Home

ZeroDown Home
vs
Mortgaged Home
ZeroDown Home
  • No down payment required to move in
  • Competitive cash offer
  • Keys in 10 days
  • A concierge for your home
  • Technically, ZeroDown owns the home
Mortgaged Home
  • Hundreds of thousands of dollars
  • Hard to get your dream home
  • Anxiety about financing coming through
  • No support after you move in
  • Technically, your bank owns the home

Congrats to these ZeroDown members and their new ZeroDown Homes

$650,000 $4,355 /mo
4
2.5
2,018 sqft
Concord

“ZeroDown has been transformative for me and my family”

Saved $146K in down payment and closing costs

$1,200,000 $8,040 /mo
3
2
1,167 sqft
Oakland

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

Saved $270K in down payment and closing costs

$1,150,000 $7,705 /mo
3
2
1,239 sqft
San Carlos

“Can't be an easier transition between renting and owning than ZeroDown”

Saved $259K in down payment and closing costs

$1,250,000 $8,375 /mo
4
2
2,600 sqft
Oakland

“ZeroDown made it possible for us to have the peace of mind knowing that we have a home here”

Saved $281K in down payment and closing costs

$800,000 $5,360 /mo
1
1
1,293 sqft
Oakland

“What felt out of reach, ZeroDown made it happen within 30 days”

Saved $180K in down payment and closing costs

$665,000 $4,456 /mo
2
1
730 sqft
San Francisco

“Super personalized service - super fast response time”

Saved $150K in down payment and closing costs

Trusted by employees of

Find your dream home now

We believe searching for a home is more than just about square footage and bathrooms — it is about quality of life. So we have built search tool from scratch where you can view all the listed homes and pick ones that get the most natural light, near dog friendly parks, with large outdoor spaces, near greenery and close to where you work — so you have a short commute.

Also, we have curated some homes we think you might like.

See homes that you can get for under $6000/month
$5,688
Monthly Payment
$849,000
Listed Price
630 Thomas L Berkley Way
Oakland, CA
beds
2
baths
2
$5,353
Monthly Payment
$799,000
Listed Price
2300 Broadway
Oakland, CA
beds
2
baths
2
$4,683
Monthly Payment
$699,000
Listed Price
584 Coyote Rd
San Jose, CA
beds
3
baths
2
$5,253
Monthly Payment
$784,000
Listed Price
1500 Tyler St
Berkeley, CA
beds
3
baths
2
$5,621
Monthly Payment
$839,000
Listed Price
674 W Macarthur Blvd
Oakland, CA
beds
3
baths
2
$5,018
Monthly Payment
$749,000
Listed Price
3035 Bigwood DR
San Jose, CA
beds
3
baths
2
$3,879
Monthly Payment
$579,000
Listed Price
1310 Saddle Rack ST 234
San Jose, CA
beds
1
baths
1
See our weekly curated selection of homes that we think are “Best of Bay Area”
$6,023
Monthly Payment
$899,000
Listed Price
743 Alcatraz Ave
Oakland, CA
beds
3
baths
3
$7,705
Monthly Payment
$1,150,000
Listed Price
458 Curie DR
San Jose, CA
beds
3
baths
3
$5,688
Monthly Payment
$849,000
Listed Price
630 Thomas L Berkley Way
Oakland, CA
beds
2
baths
2
$5,353
Monthly Payment
$799,000
Listed Price
2300 Broadway
Oakland, CA
beds
2
baths
2
$8,040
Monthly Payment
$1,200,000
Listed Price
34370 Eucalyptus Ter
Fremont, CA
beds
3
baths
3
$4,690
Monthly Payment
$699,950
Listed Price
27163 Patrick Avenue
Hayward, CA
beds
3
baths
2
$9,548
Monthly Payment
$1,425,000
Listed Price
713 Shrader Street
San Francisco, CA
beds
2
baths
1
Try the new ZeroDown Search

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 2 years, during which you'll run the show i.e., you are responsible for maintenance and home projects.

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

As featured on

NBC Bay Area

More information

Your questions, answered.

Is ZeroDown a loan?

No, ZeroDown is not a lender and you are not getting a mortgage. Instead, you partner with ZeroDown to buy your home for you and build purchase-credits every month.

How is the monthly payment calculated?

Your monthly payment is based on the value of the home you select and will not change during your 5 year term. This is the only monthly payment you'll ever make to ZeroDown for the home until you buy it, and we'll take care of property taxes and home insurance. No hidden costs, no hidden fees, ever!

Can I choose any home available or do I have to choose a home from ZeroDown’s inventory?

You are free to find your home however you’d like – shop online using one of the many home search engines or work with one of our top-rated ZeroDown partner agents who live and work in the areas where you wish to live.

How do I qualify for ZeroDown?

Get qualified in less than 5 minutes by clicking here.

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.