From renter to homeowner in 3 simple steps.
ZeroDownScout cuts through the confusion and shows you exactly which down payment programs you qualify for — right now.
Enter Your Location
Tell us where you want to buy. We search every city, county, and state program available in your area — 3,000+ programs nationwide.
See What You Qualify For
In under 2 minutes, ZeroDownScout shows you the exact grants and assistance programs matched to your situation. No guesswork.
Connect & Close
We connect you with the right lender who knows these programs. Many buyers close with $0 out of pocket — closing costs included.
What we check for you.
When you run a search, ZeroDownScout looks across every type of down payment assistance program available in your area. That includes:
Federal & State Programs
FHA, VA, USDA, plus state-level housing finance agency programs in all 50 states.
City & County Grants
Local first-time buyer grants, often the most generous and least known about.
Employer-Sponsored Programs
Some employers offer matching down payment funds. We check if yours does.
Lender-Specific Offers
Bank and credit union programs that bundle assistance into your mortgage.
A clear path forward.
After you complete the matcher, you'll see a personalized list of every program you qualify for, with:
- The estimated dollar amount of assistance available to you
- Eligibility requirements in plain English
- Application timelines and what documents you'll need
- Direct introductions to lenders who actively work with each program
No spam, no upsell, no fee. We make money only when a lender we connect you with closes a loan — and only from the lender, never from you.
Ready in 2 minutes.
No credit pull, no commitment, no fee. Just an honest answer about what's available to you.