Built so first-time buyers don't leave money on the table.
Most renters who could buy a home have no idea they qualify for thousands of dollars in down payment help. ZeroDownScout was built to fix that.
From confusing to clear.
There are over 3,000 down payment assistance programs in the United States. Federal, state, county, city, employer-based, lender-based — every one of them with its own eligibility rules and paperwork.
The result: most people who would qualify never apply. They give up looking, assume they can't afford a home, and keep renting. Meanwhile, billions of dollars in assistance go unused every year.
We started ZeroDownScout to cut through all of that. Punch in your situation, and in under two minutes you'll see exactly which programs you qualify for in your area. No fluff, no upsell, no fee.
$0 down homeownership, made simple.
We believe homeownership shouldn't be reserved for people who already know somebody in the industry. Every renter deserves to know what they qualify for — clearly, honestly, and without paying a dime to find out.
That's why ZeroDownScout is free, forever. We make money when banks and lenders pay us a referral when one of our matched buyers closes a loan — never from the buyer.
Three things we won't compromise on.
Free for buyers.
The app is 100% free. No premium tier, no hidden fees, no subscription. Ever.
Honest matches.
We show you the programs you actually qualify for — not the ones that pay us the most. If you don't qualify, we tell you.
Privacy first.
Your information is never sold or shared with third parties for their own marketing. Read our Privacy Policy for the full details.
Who we are.
ZeroDownScout is a product of Own The Roof Inc., a Michigan corporation focused on building tools that help everyday people navigate homeownership. Our team comes from the lending, real estate, and software worlds — we've seen firsthand how broken the discovery process is for first-time buyers, and we built ZeroDownScout to be the tool we wish had existed.
Headquartered in Novi, Michigan, we serve users in all 50 states.