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 Parker Williams on Dec-22-2025
“I was informed of every step. Everything was explained in detail. All of my questions were thoroughly answered. The process was smooth and seamless.”

Tiffany Michelle

Reviewed for Scott Brooks on Dec-22-2025
“As an 87 year old woman, I needed lots of guidance, information and patience. Scott Brooks more than satisfied all these needs and helped me to feel confident in all my decisions. Thank you Scott.”

Gabrielle

Reviewed for Mark Crocetto on Dec-22-2025
“My experience was smooth overall, and I appreciate the communication during the process. I had a positive experience and appreciate the support throughout the process. Thanks to Mark!”

Samuel J

Reviewed for Wendy Monaco on Dec-22-2025
“I had an excellent experience working with Wendy at Allied Mortgage.As a first-time homebuyer going through Penn Medicine’s first time buyer program. I truly did not know what to expect from the process. Wendy made everything smooth and manageable from start to finish. She communicated clearly, efficiently, and always responded in a timely manner, which made a huge difference during the process. I am very grateful for her professionalism, knowledge, and support, and I highly recommend Wendy to any buyer.”

Yanique

Reviewed for Maria Laffredo on Dec-22-2025
“I was notified of everything every step of the way.”

Alison

Reviewed for Sumit Rajpal on Dec-22-2025
“"Our experience with Submit Rajpal at Allied Mortgage was exceptional from start to finish. Buying a home can be incredibly overwhelming, but the team made it feel seamless. They were proactive with updates, answered every question we had (no matter how small), and ensured we closed right on schedule. Their transparency and professionalism gave us total peace of mind. Highly recommend!"”

Satwinder Kaur

Reviewed for Sumit Rajpal on Dec-22-2025
“The valuable guidance from Sumit and team has made our mortgage process so smooth and hassle free. Thank you Sumit and Team :)”

Mandeep Singh

Reviewed for Kevin Zenstein Allied Mortgage Group NMLS #105738 on Dec-21-2025
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Angela Edwards

Reviewed for Kevin Zenstein on Dec-21-2025
“Working with Kevin and Melissa was a great experience.”

Angela

Reviewed for Janet Angelo on Dec-20-2025
“Janet is amazing !!! Hands down the best person you could possibly ever work with. Professional, knowledgeable, and the best at what she does. Goes above and beyond to get the job done. Thank you for everything.”

Donna C