Low Down Payment Loans

You May Qualify for a Low or No Down Payment Loan

Allied offers low to no down payment options for qualified borrowers. From FHA and USDA to Conventional loans such as HomeReady® from Fannie Mae and Home Possible® from Freddie Mac, to options for Veterans, many borrowers can benefit from Allied flexible loan options.

Criteria for Down Payment Assistance

Down Payment Assistance programs consider several things to determine if you qualify. The criteria vary depending on the state or municipality, but they review income, credit, household size, reserves, and whether you are a first time or experienced homeowner.

Most assistance programs, especially for first-time buyers, require the completion of homebuyer education programs.

Some programs are designed for individuals who provide necessary services to the community. They include teachers, firefighters, law enforcement personnel, health care workers, and veterans.

To qualify for down payment assistance, the home must be occupied as the primary residence. Single-family homes, townhomes, condos, and even some multifamily properties are allowed if the buyer is also an owner-occupant.

Find out what programs you may qualify for using our free, easy-to-use search tool.

Benefits

Low to No Down Payment for certain loans and qualified borrowers
Talk to us about state and local downpayment grants that may be available.
Down Payment gifts from family may be allowed
Great for first-time homebuyers

Contact Allied today and learn about these benefits and get answers to all your mortgage questions by speaking with an Allied loan officer.

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Our Happy Customers

Reviewed for Cathy Rebecca Fernandes on Mar-31-2026
“Amazing! The process was stress free and I am so happy we used Allied Mortgage Group. Thank you for everything!”

Alexa

Reviewed for John Hagler on Mar-31-2026
“play-by-play communication, prompt responses ans and clear next steps at all times”

Diana

Reviewed for Janet Angelo on Mar-31-2026
“Janet is an absolute gem. She made the entire process seamless, and I am incredibly grateful for her support. I truly don’t believe I would have been able to repair my credit or purchase a home on my own without her guidance. She was patient, understanding, and supportive every step of the way—I will always be grateful.”

Catherine R

Reviewed for Elaine Willeford on Mar-31-2026
“Elaine made the experience great every step of the way .”

Mike David

Reviewed for Dan Lapic on Mar-30-2026
“Dan made the process of getting a mortgage very easy.”

Matthew

Reviewed for Christopher Clancy on Mar-30-2026
“That you so much! Awesome job”

Linda Marie

Reviewed for Eduardo Buller on Mar-30-2026
“qué todo el tiempo? creyeron en mí y en mi trayectoria de mi crédito y mi responsabilidades.”

Jose

Reviewed for Michael Putelo on Mar-30-2026
“Responsiveness to my questions.”

Jennifer

Reviewed for Wendy Monaco on Mar-30-2026
“Wendy was communicative and got e a good rate!”

Anna Uma

Reviewed for Cathy Rebecca Fernandes on Mar-30-2026
“Cathy provided a highly detailed breakdown of every cent and its source when going over the loan process, from start to closing, including future expenses such as property taxes and expected monthly bills. It was easy to follow along and she was transparent with the state of the market for mortgage interest rates, something that people need to be prepared for. Her recommendations were trustworthy and a decision was made confidently utilizing her expertise and professional opinion.”

BRANDON