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 Jason Horten on Jan-19-2026
“Mr. Horten was cordial and helpful throughout our conversations in both voice and email, and there was no point where we thought there was anything negative to say about him.”

Jackson

Reviewed for Anthony Mendicino on Jan-19-2026
“Tony was great in having prompt responses and providing all the info that I require in making the right decision.”

Praveen

Reviewed for Jay Walsh on Jan-19-2026
“Jay made everything simple and communicated the process and steps we needEd to take in a thorough and easy way to understand.”

James Patrick

Reviewed for Dan Lapic on Jan-16-2026
“Efficient process and good communication.”

Lorne R

Reviewed for Michael Grant on Jan-16-2026
“Michael and Maria were great!”

Colin A

Reviewed for Caleb Richardson on Jan-15-2026
“had all the answers to my questions and stayed on it to the end”

Peter

Reviewed for Cathy Rebecca Fernandes on Jan-15-2026
“Thank you I was able to find exactly what i needed without any hassle. The atmosphere was very welcoming & relaxed thank you again”

Dwayne

Reviewed for Cathy Rebecca Fernandes on Jan-15-2026
“Thank you! we appreciated the great experience because the staff was incredibly helpful and attentive.”

Shanna-Kay V

Reviewed for on Jan-15-2026
“I found Shawn from a google search after finding out about a random grant online and since the first call, he made sure to make me feel confident about my purchase. He also constantly made mock-ups to help me explain where I had wiggle room with my current debt. Shawn constantly communicated with me about how much I could comfortably afford. He was also very good at explaining any grants available by the state and how I could access them. His team was very helpful and communicative throughout the entire process. They made the buying process a lot less scary.”

Jilleen

Reviewed for Jason Horten on Jan-14-2026
“simple and clear instructions and guidance…….”

Paul D