Finance Your Down Payment.
Our owner financed homes don't require a bank mortgage. And if you don't have the down payment saved, our lending partners may finance that too — so you can close with nothing out of pocket.
How Down Payment Funding Works
Enter Your Income
Check stubs or bank statements work. Lenders use your income — weekly or monthly — to determine your offer.
See Your Offers
A soft credit check runs first — it does NOT affect your credit score. Multiple lenders show you how much they'll lend and on what terms. You choose the offer you like.
Close Your Home
If your offer covers the down payment, you close with nothing out of pocket. You repay the lender over time — separate from your home payments. Only if you accept an offer does a hard inquiry occur.
How Much Should You Request?
Closing costs typically run about 11% of the total home price — including inspection, attorney fees, and required costs. That's why we recommend requesting double the down payment — it covers closing costs and leaves room for moving expenses.
Enter a down payment amount to see your recommended funding request.
Requesting more than you need is fine — you're never required to use the full amount. This is simply guidance so you don't come up short at the closing table.
Before You Apply — Please Read
We connect you with lending partners for down payment funding. We make this connection available through our service, and a 10% service fee on the funds you receive applies. Example: if you receive $20,000 in funding, the service fee is $2,000.
This fee is separate from your loan — it is paid to us for arranging this opportunity, and is disclosed here before you apply.
Your initial application uses a soft credit inquiry that does not affect your credit score. A hard inquiry only happens if you choose to accept a lender's offer.
Questions first? Contact us or call (786) 322-3646.