Low & No Money Down Home Loans

City 1st Mortgage offers home financing with little to no money down. Find out how much home you can afford right NOW!

(866) 655-0466

Low & Zero Down Mortgage Programs

At City 1st Mortgage, we offer a variety of low and no money down home loan solutions including FHA, VA, USDA, and conventional loan programs.

Below you can find information on some of our most popular solutions.

Not sure which one is right for you? That’s where we come in. Call us today for a free consultation and to see if you may qualify – (866) 655-0466

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Popular Low & No Money Down Programs*

USDA Loans

Up to 100% Financing in USDA qualifying areas. We can help you figure out if a property is eligible.


VA Loans

Up to 100% financing for eligible military veterans and active duty personnel. No monthly mortgage insurance.

FHA Loans

Up to 96.50% financing. Less strict credit requirements when compared to many conventional programs. Gift funds and seller concessions may be used to help cover some of closing costs and expenses.


203K Renovation Loans

Up to 96.5% financing. Borrower may finance the costs of eligible home repairs and improvements in the loan amount without the need for a second mortgage.


Up to 97% financing option from Fannie Mae. The cash needed to cover closing costs and the 3% down payment may come from multiple sources including gift funds (e.g. parents), grants, and Community Seconds.


Home Possible Advantage

Up to 97% financing option from Freddie Mac. Gift funds (e.g. money from relatives), employer assistance programs, and secondary financing may be used to help cover the 3% down payment and closing costs


Up to 97% financing option from Freddie Mac. Designed for First Time Home Buyers. No geographic or income restrictions apply.


Call us today for a free consultation – (866) 655-0466

Additional terms and conditions apply for all programs. Please speak with a City 1st Mortgage loan consultant for more information on each product.

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City 1st Mortgage Services, LLC. (www.nmlsconsumeraccess.org) is an equal opportunity lender, licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.

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