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.

Tell Me More About This Loan

Our Happy Customers

Reviewed for Caleb Richardson on Dec-16-2025
“Caleb has a good communicating skills and positive attitude. Working with him is so easy and wonderful.”

Joseph Rigel

Reviewed for Paul Bierly on Dec-16-2025
“The Team as a Whole! Shelly and Paul were like the Wonder Twins. They made the process as smooth as possible. I couldn't thank them more for their hard work, time and attention, and overall professionalism.”

Patrick W

Reviewed for Maria Laffredo on Dec-16-2025
“I was having a difficult time navigating through the purchase process. Maria brought a lot of clarity and expertise, smoothing out my purchasing experience. I would definitely recommend her and Allied Mortgage group for a great lending experience.”

Kenneth Levert

Reviewed for Janet Angelo on Dec-15-2025
“Janet was amazing from start to finish! Very knowledgeable and easy to talk to. She made an overwhelming process almost seem easy. She kept me informed at every step and helped me make sure I had all the paperwork I neede. I absolutely recommend her to anyone needing help with a mortgage! Very thankful for all her help!”

Amy L

Reviewed for Tom Kemble on Dec-15-2025
“Tom was a very helpful person throughout this whole process he is an asset to the company”

Ricardo J

Reviewed for Dan Lapic on Dec-15-2025
“Dan was great to work with helpful and explained everything to great 10/10”

Connor

Reviewed for Brandon Rizk on Dec-15-2025
“Brandon has been very helpful!”

Pia

Reviewed for Beth Wood on Dec-14-2025
“The whole process was great although with some challenges but she made it work successfully.”

Nelson M. E.

Reviewed for on Dec-14-2025
“Fist off all people who take pride in their careers and care about the clients is unfortunately far and few between. I could not have done any of This process from The beginning to the end without Maria's patience , professionalism, knowledge and most importantly her care. Wow!!! Inculdnt I couldn't ask for a better human on my team what a woman thank you to the person who saw in her what we all need in the world especialy the I intimidating world of home Ownership 🙂 1 in a million”

Tasha

Reviewed for Maria Laffredo on Dec-13-2025
“Maria & Staff were very easy to work with and offered assistance when asked.”

Justine M