Houston Zero Down Home Loan

A Zero Down Mortgage allows you to buy a home without making a down payment, helping you secure a property with little upfront cost.

Buyers with a minimum 620 mortgage FICO score, stable income, and a reasonable debt-to-income ratio can typically qualify.

Down Payment Assistance provides grants or loans to cover a portion of the down payment, while Zero Down eliminates the need for a down payment entirely.

No, but you’ll need at least a 620 FICO score and a steady work history to meet lender requirements.

No, unlike many assistance programs, there are no income restrictions, but your debt-to-income ratio will impact how much you qualify for.

Yes! In many cases, seller contributions can help cover closing costs, making the home purchase even more affordable.

Closing costs typically range from 2% to 5% of the home price, but Forge Home Consulting helps cover up to 1.5% of these costs.

No, this program is designed for primary residences, meaning you must live in the home.

Your monthly mortgage will include principal, interest, taxes, and insurance, but our team works to ensure affordability.

Simply consult with Forge Home Consulting, and we’ll guide you through the qualification process and help you find the right mortgage.