You may need a lot less cash to buy a home than you think.
Washington, Oregon and California each run programs that pay the down payment — and often the closing costs — for eligible buyers. Most renters have never heard of them. Get the free No Down Payment Formula and find out in 20 minutes whether one fits you.
Send me the free Formula
12 pages. Delivered by email and text right away.
What's in the Formula
Not theory — the actual state programs, the actual numbers, and a worked example on a $450,000 home where the buyers bring $0 to closing.
The programs by state
Washington's 0%-interest Home Advantage second, Oregon's Flex Lending that can cover 100% of cash to close, California's MyHome and the 20%-down Dream For All.
What lenders really check
The real credit, income and debt cut-offs — and what to do in 30 to 180 days if you're short on any of them.
Five mistakes that cost buyers their assistance
Including the one most agents make when they write the offer.
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FORMULA
Because the conversation is worth more than the guide.
The guide tells you the programs exist. The free lender consultation we've arranged tells you which one fits your numbers — and if you're not ready yet, exactly what to fix and when to come back. No application, no fee, no obligation.
Eileen Tefft
Washington managing broker and Oregon principal broker with more than forty-five years in real estate, lending and development. Eileen has walked hundreds of first-time buyers through the programs in this guide, trained agents across the country, and wrote the book on how not to make a mistake buying a house. No Down Payment Formula is her homebuyer-education program.