$0 Down Home Buying Programs | Las Vegas & Henderson

Strategies Designed Around You

We believe clarity is the only way to build a plan that’s structured around your situation. Down payment assistance (DPA) isn’t a shortcut or a sales pitch — it’s a real strategy designed to help you move forward sooner and smarter.

Our goal isn’t to overload you with program jargon. It’s to show you what’s possible and how to use it the right way — for your income, your goals, and your timeline.

Types of Assistance at a Glance

Grants

True assistance that doesn’t have to be repaid if you meet program guidelines. It’s designed to help you bridge the gap without adding debt.

Low-Interest or Forgivable Loans

These second loans come with low payments or are forgiven over time while you live in the home — helping you keep more money in your pocket.

Deferred Loans

No monthly payments required — repayment happens later, usually when you sell, refinance, or pay off your first mortgage.

Making Down Payment Assistance Make Sense

DPA programs were created to help everyday buyers cover one of the biggest barriers to homeownership — the upfront cost. That often means help with your down payment, and sometimes even your closing costs..

But here’s what most people miss: not every program fits every buyer. That’s why we start with a real conversation — not assumptions. Once we understand where you are financially and what your goals look like, we’ll guide you toward the option that actually makes sense for you.

The details matter — but knowing which program truly benefits you requires more than a list. We prepare a strategic plan — so you can move forward with clarity and confidence.

Redefining Requirements — Simplified for DPA

Every program has its own rules — but they all start with the same basics. This is where it begins: understanding what’s real, what’s required, and what’s possible for you..

No Recent Homeownership: Most programs are for first-time buyers — usually meaning you haven’t owned a home in the past three years.
Primary Residence: It has to be the home you live in — not an investment or rental property.
Income Limits: Each program sets limits based on your area and household size.
Minimum Credit Score:Most start around 600–640, but every program is different.
Homebuyer Education: A short course is usually required — we’ll guide you through it step-by-step.

These aren’t roadblocks — they’re starting points.
You don’t need to check every box today — you just need to be ready for a real conversation about where you are and where you want to go. That’s how we turn possibilities into progress.

Let’s Build a Real Plan Together

We don’t believe in pressure — we believe in clarity. Whether you’re ready to buy now or planning for later, we’ll help you understand what’s possible, one real conversation at a time.

Start Your Homeownership Plan

Real Conversation About DPA