You searched:
“I cannot save enough for a down payment”
When rent takes most of your paycheck, saving for a down payment feels impossible. But the 20% myth is just that -- a myth. Programs starting at 0-3% down plus grants can get you into a home sooner than you think.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Rent consumes majority of incomeSolution exists
- 2Cost of living outpaces ability to saveSolution exists
- 3Unexpected expenses keep depleting savingsSolution exists
- 4Student loans prevent meaningful savingSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
Zero-Down Programs
VA and USDA loans require zero down payment. Check your eligibility -- more people qualify than realize it.
Available nowDown Payment Assistance Grants
State and local grants provide 3-5% of purchase price. Many are outright gifts that never need repayment.
Available now3% Down Conventional
HomeReady and Home Possible programs allow just 3% down with income limits that are higher than you might expect.
Available nowTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Cannot save? There may be programs that cover your down payment.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
Our Presence
Click on endorsed states to see our direct resources!
Frequently Asked Questions
Zero with VA or USDA. 3% with conventional HomeReady/Home Possible. 3.5% with FHA. Down payment assistance can cover even these amounts.
Yes. Every state has them. They range from grants (free money) to forgivable loans (forgiven after you live in the home a certain number of years).
Yes. FHA, VA, and conventional loans all allow gift funds from family members with a simple gift letter confirming the funds are not a loan.
Cannot save? There may be programs that cover your down payment.
We will reach out at a time that works for you. No pressure, no obligation.