You may not need a down payment to buy your first home.
Down Payment Assistance, Hometown Heroes, and FHA financing can lower or remove the biggest barrier to buying — even without a Social Security number. Leila checks which programs fit your situation.
The down payment is often the only thing in the way.
Many families are ready to own a home — steady work, a real budget — but the upfront down payment is the wall. State and federal assistance programs exist exactly for that: they fund part or all of the down payment, so you can buy without draining your savings.
Leila has closed deals for buyers with as little as a few thousand dollars in the bank. She looks at your income, your work, and your goals, then tells you plainly which programs you can actually use.
Down Payment Assistance
Programs that cover part or all of the down payment, so you keep your cash for what comes next.
Hometown Heroes
Up to $35,000 in assistance for essential workers — healthcare, K-12 educators, first responders, and public safety.
FHA & ITIN
Low-down-payment FHA loans and paths that accept an ITIN — no Social Security number required.
What usually opens the door.
- Hometown Heroes 2026 offers up to $35,000 in down-payment and closing-cost help for essential workers, with an income limit tied to your county.
- First-time buyer usually means you have not owned a home in the last three years — you may qualify even if you owned one before.
- ITIN accepted. You do not need a Social Security number for several financing paths.
- A credit score around 640 opens most of these programs; Leila tells you where you stand and what to improve.
- Typical homes in these programs run in the $100k–$200k range in many U.S. markets — real, reachable properties.
Buying with no down payment, answered.
Can I really buy without a down payment?
Often, yes. Assistance programs can cover the down payment, and FHA loans require very little down. Whether you qualify depends on your income, work, and credit — Leila checks all of it with you.
Do I need a Social Security number?
Not always. Several financing paths accept an ITIN. Leila will tell you exactly which options are open to you.
What is Hometown Heroes?
A Florida program offering up to $35,000 in assistance for essential workers — healthcare, educators, first responders, and public safety — buying their first home.
What if I already owned a home before?
You may still qualify. Most first-time-buyer programs count you as eligible if you have not owned a home in the last three years.
Do I need to speak English?
No. Leila serves you in Portuguese, Spanish, or English, from the first question to the keys.
Find out which programs you qualify for.
Leave your details and Leila checks your options, with no pressure and no obligation.