Looking for just the zero down home loan programs in Galt, CA that fit your unique situation? Start your free personalized mortgage review by clicking here.
Popular Zero Down Loan Programs
Check out the most popular zero down loan programs in Galt, CA
USDA Purchase Loan
Most PopularBest For: Zero Down, Easy Process
Home loans with up to 100% financing and lower mortgage insurance for low to moderate income homebuyers in eligible rural areas.
Min. Credit Score
620
Min. Down Payment
0%
Max. Loan Amount
$806,500
Zero Down Options for Purchasing a Home
We searched our national mortgage program database to find all of the purchase home loan options specific to Galt, CA:
VA Purchase Loan
Best For: Lowest Rates, Zero Down
VA purchase loan program with no down payment requirement, competitive interest rates, limited closing costs, and no private mortgage insurance.
Min. Credit Score
580
Min. Down Payment
0%
Max. Loan Amount
$806,500
USDA Purchase Loan
Best For: Zero Down, Easy Process
Home loans with up to 100% financing and lower mortgage insurance for low to moderate income homebuyers in eligible rural areas.
Min. Credit Score
620
Min. Down Payment
0%
Max. Loan Amount
$806,500
VA High-Balance Purchase Loan
Best For: Large Loan Amounts, Zero Down
The VA high-balance mortgage (often called "VA Jumbo") is used for loans above the conforming limit—allowing homebuyers to maximize their VA benefits.
Min. Credit Score
640
Min. Down Payment
0%
Max. Loan Amount
$1,500,000
Special Programs for Zero Down
These additional loan programs available in Galt, CA may provide help for down payment and closing costs, qualification for borrowers who don't fit the traditional mold, and unique portfolio programs for special situations.
CalHFA MyHome Assistance Program
Best For: First Time Homebuyers, Zero Down
The CalHFA MyHome Assistance Program provides up to 3% in down payment assistance in the form of a deferred payment mortgage.
Min. Credit Score
680
Min. Down Payment
0%
Max. Loan Amount
$1,089,300
Up to 3.00% of 1st Loan Amount Program Benefit Amount
GSFA OpenDoors® Program - Conventional
Best For: First Time Homebuyers, Low Down Payments, Zero Down
The GSFA OpenDoors® Conventional Program provides up to 7% in assistance as a deferred second mortgage with 0% interest and no monthly payments.
Min. Credit Score
620
Min. Down Payment
0%
Max. Loan Amount
$726,200
Up to 7.00% of 1st Loan Amount Program Benefit Amount
GSFA Platinum® Standard Program
Best For: First Time Homebuyers, Zero Down
GSFA Platinum® Standard Program provides up to 5% in down payment assistance as a standard second mortgage with repayment.
Min. Credit Score
640
Min. Down Payment
0%
Max. Loan Amount
$726,200
Up to 5.00% of 1st Loan Amount Program Benefit Amount
GSFA Platinum® "Select" Program
Best For: First Time Homebuyers, Zero Down
The GSFA Platinum® "Select" Program provides up to 5% in down payment assistance as a standard second mortgage combined with a gift.
Min. Credit Score
640
Min. Down Payment
0%
Max. Loan Amount
$726,200
Up to 5.00% of 1st Loan Amount Program Benefit Amount
CalHFA VA Loan
Best For: First Time Homebuyers, Lowest Rates, Zero Down
VA program for California Veterans or Active-Duty Military homebuyers with below market interest rates and up to 3% in available assistance.
Min. Credit Score
640
Min. Down Payment
0%
Max. Loan Amount
$726,200 - $1,089,300
* Some loan programs may not be offered by all featured lenders of ReviewMyMortgage.com and qualification guidelines may vary between them. Our team makes their best effort to keep loan program information up to date. Loan programs may change without warning. ReviewMyMortgage.com does not guarantee or offer any loan products. ReviewMyMortgage.com is strictly an educational resource hub for consumers.
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