Non-debt down payment from an investor who takes future appreciation share — no monthly payment, no interest.
Home Equity Investment (HEI) providers — Point, Unison, Unlock, Hometap, Splitero — supply 5–20% of the purchase price as a NON-loan investment. No monthly payments, no interest. Instead, the investor receives their principal back plus a percentage of the home's appreciation (typically 25–70% of appreciation on their share) when you sell or refinance, up to a 10–30 year term. Frees DTI capacity for the primary mortgage. Watch: capped downside protection and appreciation-share math can be expensive in fast-growth markets.
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Eligible veterans buy with $0 down, no PMI, and assumable rates.
0% down in USDA-eligible areas — includes many suburban zip codes.
Neighborhood Assistance Corp of America — below-market rate, zero down.
Fannie / Freddie low-income programs — 3% down + reduced PMI.
1.25–2.25% down for enrolled tribal members — nationwide.
State / county / employer DPA — $5K–$50K forgivable or 0% deferred 2nd.
$100 total down on FHA-repossessed homes for owner-occupants.
3.5% down + rehab budget rolled into one loan — buy distressed properties.