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.

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 Lacey Hood on Sep-26-2026
“Experience services”

Marigold Yui

Reviewed for Paul Bierly on Sep-26-2026
“This entire process was incredibly stressful for me and my family, but having Paul there to guide and support us truly made a difference. He genuinely listened to our concerns, understood what we were going through, and did everything he could to provide the help and reassurance we needed. What stood out the most was his availability and communication. It honestly didn’t matter what time of day it was—Paul would pick up the phone, respond to our messages, or make sure to call us back. We never felt like we were going through the process alone. There were some very difficult and uncertain moments, but Paul remained patient, supportive, and committed to helping us get through them. His communication was excellent from beginning to end, and we are truly grateful for the time, effort, and personal attention he gave our family. Thank you, Paul, for being there for us and helping us through what was a very challenging journey. We sincerely appreciate everything you did for our family.”

Sylvester

Reviewed for Mike McKeown on Sep-25-2026
“Mike and his staff was awesome between the teist twist and turns of the process”

Wendell

Reviewed for Samuel Corona Jr. on Sep-23-2026
“Sam maintains a very open line of communication and was very helpful in the process of obtaining my new home.”

Steven

Reviewed for Cathy Rebecca Fernandes on Sep-22-2026
“I had a wonderful experience with Cathy and this business. The service was professional, friendly, and efficient from start to finish. The team was attentive, knowledgeable, and genuinely committed to providing excellent customer service. Everything was handled with care and professionalism, and I was very pleased with the overall experience. I would highly recommend this business to anyone looking for quality service and a lender team they can trust. I will definitely be referring in the future!”

Lynn M.

Reviewed for on Sep-22-2026
“I had a wonderful experience with Cathy and this business. The service was professional, friendly, and efficient from start to finish. The team was attentive, knowledgeable, and genuinely committed to providing excellent customer service. Everything was handled with care and professionalism, and I was very pleased with the overall experience. I would highly recommend this business to anyone looking for quality service and a lender team they can trust. I will definitely be referring in the future!”

Lynn

Reviewed for Megan Carr on Sep-21-2026
“The process was very clear and orgainized. Megan was very responsive and proactive!”

Julie A

Reviewed for Donald Holmes on Sep-21-2026
“Everyone was very professional, friendly, and helpful. They made the entire purchasing process easy, smooth, and enjoyable. I truly appreciate their excellent customer service!”

Nyema

Reviewed for Samreen-Joy Kaur Minhas on Sep-20-2026
“Nice to work with her . Had great experience.”

Gagandeep

Reviewed for Sumit Rajpal on Sep-19-2026
“Working with Sumit Rajpal was an excellent experience from start to finish. He was professional, responsive, and took the time to explain each step of the lending process clearly, which made the whole thing far less stressful than I expected. He kept me informed throughout, answered my questions promptly, and followed through on everything he said he would do. His attention to detail and steady communication gave me confidence that the process was being handled properly. I would gladly work with him again and recommend him without hesitation.”

Amanpreet