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 Dominick Lombardo on Nov-19-2025
“Dom truly made the experience great. We have worked with Dom for many years and I have recommended him multiple times to family members. He is helpful and knowledgeable. Always a pleasure!”

Valerie

Reviewed for Dominick Lombardo on Nov-19-2025
“Dom is A+”

Brandon

Reviewed for Janet Angelo on Nov-19-2025
“Janet was so easy to work with! she's pleasant and knowledgeable, we had a great experience and will definitely recommend her to friends!”

Amber L

Reviewed for Paul Bierly on Nov-18-2025
“ma Iooggood”

Fahamida

Reviewed for Steve Fuhrman on Nov-18-2025
“The personal advice and feedback was extremely helpful. We were able to make wise decisions as a result of working with someone who cared about our financial future.”

Robyn E

Reviewed for Maria Laffredo on Nov-18-2025
“We don't have enough space to adequately share how great our experience was with Allied! My husband and I had used Allied before with a previous purchase, but we initially decided to go with the builders' financing with our current purchase. It did not go well. My husband decided to give Allied a call because they had been so good to us previously, and we were not disappointed! He was initially connected to the VP of the company, Wendy, who connected us with Maria! Maria was amazing! She stayed in constant contact with us – even when her workday was done – to ensure that the process ran smoothly, and she never made us feel as if we were a nuisance with all our questions (even though I know sometimes we probably were annoying)! We are so grateful to Wendy, Maria, Dermeisha, and the entire team at Allied for their assistance, and will definitely tell anyone looking for a lender who truly cares to give Allied a chance!”

Ladelta

Reviewed for Tom Kemble on Nov-18-2025
“Tom was invaluable to me from the very beginning to the very end. Tom was very compassionate, very caring, very knowledgeable and very professional throughout the whole process. He made it super comfortable for me to ask questions and was always very responsive. Tom definitely knows his stuff and is very knowledgeable. I faced a few obstacles throughout my journey but Tom was always right there, helping me figure out solutions and giving me advice. He never gave up on me. I will always be very thankful to Tom and his team for making my dream come true and becoming a homeowner. If I could give Tom 10 stars, I would!”

Evelyn

Reviewed for Kevin Zenstein Allied Mortgage Group NMLS #105738 on Nov-16-2025
“”

Edison Achelengwa

Reviewed for Kevin Zenstein Allied Mortgage Group NMLS #105738 on Nov-16-2025
“I am thankful for how responsive, respectable and upfront Kevin was.”

Edison Mubah

Reviewed for Anthony Mendicino on Nov-15-2025
“Very professional!”

Ryan