How ZeroDown works

Live in your home today and buy it later when you're ready

Brace yourself

It's simpler than you'd expect

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Feeling like homeownership is out of reach?

We've been there - doing the math and realizing it'll take years to come up with a down payment.

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The Process

1

Qualify for ZeroDown

We look at your financial picture to determine your ZeroDown buying power and the range of homes we can help you own.

Find the home you want

Pick any home on the market. Then go to open houses with one of our top-rated ZeroDown partner agents, or work with your own.

2
3

ZeroDown buys your home

We make an all cash offer on the home you want. You only pay us the program fee - $10,000, which is due when we make the offer (if we don't win the offer, we refund the program fee in full).

Move in!

We give you your keys in as little as 7 days from when we win the offer for your home.

4
5

Make monthly payments

Make the same payment each month and earn Purchase Credits that help you buy the home later.

Live in your home stress-free

We make the ZeroDown living experience as stress-free as possible with our 24/7 Concierge Team and a rewards program.

6
7

Buy when you're ready

Buy your ZeroDown Home from us when you're ready, with a big boost from the Purchase Credits you've earned. You can buy the home anytime after 1 year, and up to 5 years.

The Process

1

Qualify for ZeroDown

We look at your financial picture to determine your ZeroDown buying power and the range of homes we can help you own.

2

Find the home you want

Pick any home on the market. Then go to open houses with one of our top-rated ZeroDown partner agents, or work with your own.

3

ZeroDown buys your home

We make an all cash offer on the home you want. You only pay us the program fee - $10,000, which is due when we make the offer (if we don't win the offer, we refund the program fee in full).

4

Move in!

We give you your keys in as little as 7 days from when we win the offer for your home.

5

Make monthly payments

Make the same payment each month and earn Purchase Credits that help you buy the home later.

6

Live in your home stress-free

We make the ZeroDown living experience as stress-free as possible with our 24/7 Concierge Team and a rewards program.

7

Buy when you're ready

Buy your ZeroDown Home from us when you're ready, with a big boost from the Purchase Credits you've earned. You can buy the home anytime after 1 year, and up to 5 years.

The ZeroDown Commitment

Simple Pricing

One single monthly payment. No hidden fees or costs.

Clear Timelines You Can Rely On

Take up to 5 years to buy your ZeroDown Home from us. Your monthly payment stays the same the entire time. If you're ready sooner, you can buy anytime after 1 year.

Monthly Payment Calculator

After a one-time Starter Cost of $10,000 and an all-cash offer, you have a predicable monthly payment.

Get an estimate on your flat ZeroDown monthly payments and the monthly value of your Purchase Credits


Enter Home Price

$
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H
I want to buy it after
YEARS

You pay
$0
per month
You earn
$0
toward owning
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It feels like
$0




COST BREAKDOWN

In 2 years, you’ll have earned 6% of the home’s price - that’s $0 in Purchase Credits to put toward the purchase of your home at $0

AT THE END OF YEAR 1
Pay $NaN/mo,Earn $NaN/mo in credits
AT THE END OF YEAR 2
Pay $NaN/mo,Earn $NaN/mo in credits
BUY AT END OF YEAR 2

*The final monthly payment may vary slightly based on the specific home and locality