You've got questions. We've got answers.

No. Many down payment assistance programs work with credit scores as low as 580 — and some have no minimum at all. ZeroDownScout shows you programs that match your actual situation.

First-time buyers are the primary audience for most DPA programs. If you haven't owned a home in the last three years, you likely qualify for even more programs.

Most programs have an income cap, but it varies widely by area — and it's usually higher than people expect. Many programs allow household incomes up to 120% of the area median, which can be $100K+ in many cities. The matcher will tell you exactly which programs you qualify for based on your income.

All 50 states. Whether you're in Michigan, Texas, California, or anywhere in between — ZeroDownScout has programs in your area.

Yes — 100% free, forever. There's no premium tier, no hidden fees, and no subscription. We believe everyone deserves to know what they qualify for.

When one of our matched buyers closes a loan, the lender pays us a referral fee. We never charge buyers anything, and we don't sell your data. Read more in our Privacy Policy.

Most apps are listing platforms — they show you houses to buy. We do something different: we tell you how much help you qualify for to actually buy one. Most people spend weeks Googling programs and still miss half of what's available. ZeroDownScout searches 3,000+ programs instantly and shows only the ones you actually qualify for in your area.

Many do — and some also cover closing costs. Real buyers have purchased homes with literally $0 out of pocket using programs found through ZeroDownScout. Coverage depends on the program, your situation, and the home price.

No. Your phone number and SMS consent are never sold, shared, or transferred to third parties for their own marketing purposes. The only people we share your info with are the lenders you specifically ask us to connect you with. Full details in our Privacy Policy.

Phone is optional. If you provide it and check the SMS consent box, we can text you about programs you qualify for. If you skip it (or don't check the box), we'll only email you. SMS opt-in is never required to use the service.

Reply STOP to any message we send and we'll remove you from SMS immediately. Reply HELP for help, or contact us directly at [email protected] or (313) 631-8277.

Two types. Informational: updates about programs you qualified for, application reminders, and educational content about homeownership. Promotional: occasional offers and tips related to down payment assistance. Message frequency typically 2–6 messages per month. Msg & data rates may apply.