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Find a No Down Program

Are you a first-time homebuyer in Colorado?

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No Down Payment for Colorado

No Down Payment

We offer 100% financing to help you buy your next dream home. This program truly helps those who have not been able to save a large down payment.

1.5% Closing Cost Assistance

In addition to 100% financing, we can also include up to 1.5% of the purchase price for closing cost assistance. This helps pay for closing costs.

Credit Score Friendly

We accept credit scores starting at 640, opening doors for more homebuyers.

Programs for Colorado

We simply do more. From less than perfect credit to no down payment. We can help buyers find a program that may help them buy today.

How it works

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first No Down
first Hi, I’m Chad, your How can I help?
first Share a few details
first No Down
first Hi, I’m Chad, How can I help?
1

Choose your best option

It all starts here by choosing the best down payment assistance option that fits your home purchase plan.

2

Compare down payment options

We will provide you an easy to follow estimate with loan program, down payment assistance, interest rate, monthly payment and cash to close.

3

Painless pre-approval*

Once you know your options you will be invited to submit an application to start the pre-approval* process.

No Down

*Pre-approval is not a commitment to lend.

Frequently asked questions

Q: How does a home buyer qualify for no down payment programs?
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Buyers must have qualifying income, meet at least 640 credit score and occupy as primary residence. Ask your loan officer for additional qualifications.

Q: What does 1.5% closing cost assistance mean?
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We can provide you with up to 1.5% assistance to pay for closing costs. For example, 1.5% of a $300,000 purchase price would give you $4,500 for closing costs. Additionally, the seller can contribute up to 6% towards closing costs as well.

Q: Do no down payment programs have income limits?
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No there are no income limits, even if you have additional income, such as a second job or spousal income.

Q: What kind of loan program is used with the no down payment program?
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We currently offer a FHA loan as part of our 100% Financing Program. FHA loan limits apply by county.

Q: How can I get a lower rate?
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Depending on your scenario, the best rate is typically determined by a higher credit score and a larger down payment. We can provide you with options and let you determine which is best for you.

Q: What is the first step to take advantage of no down payment?
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Start with “START HERE” answer the questions, connect with our first-time homebuyer specialist and have your options emailed to you.

Get started in minutes

Speed matters. Which is why you can get information today. Without affecting your credit score.

No Down

Won’t affect your credit score.

Synergy One Lending, Inc. | NMLS 1907235 | http://www.nmlsconsumeraccess.org | 610 W. Ash Street, Suite 1505, San Diego, CA 92101 | (888) 995-1256 | © 2024 | Not affiliated with any government agency. All Loans are subject to underwriting approval. Terms and Conditions apply. Some loan products may not be available in all states. Subject to change without notice. * By entering your information and clicking “Submit”, "Let's Get Started", or "Apply Now" you are authorizing Synergy One Lending to contact you, using the information you provided above. We may call, email or text you and Message and Data Rates may apply. You can STOP messaging by sending STOP and get more help by sending HELP. We may use automated dialing systems and prerecorded voice messaging in connection with calls or texts. This permission applies even if you are on a company, state or national Do Not Call Registry. You may opt-out of receiving these communications at any time. This consent is not requirement to obtain a loan. You may choose not to submit and contact us directly by our phone number listed. Our commitment to privacy can be found in our Privacy Policy.