Free Down Payment Assistance

Zero down. Zero excuses.

Zero Down Gsfa

You can afford to buy with 0% down through GSFA

Free 5% Down

GSFA will gift you up to 5% as down payment assistance (DPA)¹

Interest Free

No interest on the DPA and no need to pay it back after 3 years


Minimum FICO 640; Maximum DTI 45%. Flexible Income Limits.

Golden State Financial Authority

What is GSFA?

Golden State Finance Authority is a California housing finance agency that supports affordable homeownership with down payment and closing cost assistance programs.

What is the catch?

There is none. The gift of up to 5% in down payment assistance doesn’t have to be paid back after 3 years and for First Responders and other essential workers, it never has to be repaid.

VA Loan

Veterans and active-duty military additionally have the option of receiving up to 0% down and zero out of pocket costs with a VA loan.

Here’s A Real World Example

Let the journey begin

Whether you’re ready to buy a home tomorrow or in five years, we’re here to help. Our real estate professionals aren’t just agents, they’re lifelong financial guides. Let’s connect and map out your goals and ambitions together.