Not as a standard option: the down payment is paid at closing, and each listing shows the amount. Splitting it or paying part later is handled case by case. If the full amount is a stretch, call our team before you count yourself out. There is no credit check, so the down payment and steady income are the whole qualification.
As of October 8, 2026: 119 homes in 25 states, down payments from $10,000 to $60,000.
Because closing is when you take ownership. At the title company the deed is recorded in your name, the purchase agreement and promissory note are signed, and the down payment is what makes the sale a sale. On the homes available today, down payments run from $10,000 to $60,000, and the lowest is $10,000. A larger down payment lowers the monthly payment on the same home; a smaller one raises it. Every listing shows both numbers together so you can see the trade.
Case by case, and only after a conversation with our team. Buyers ask this most often when they have most of the amount in hand and the rest coming: a tax refund, a bonus, a sale of a vehicle. Whether a particular home can wait, or whether the terms can be structured around a second payment, depends on that home and that situation. It is not something a listing can promise, which is why the page says to call. What our team will never do is tell you no before hearing the numbers.
Yes, in the sense that every home has its own amount and the range is wide. If one home's down payment is out of reach, another home in the same city may list a lower one. The terms table shows the down payment range in every city we have homes in, and the full list of available homes sorts by down payment. Our team can also watch for a home that fits your number as new ones post each week.
No. There is no credit check and no scoring, so there is nothing to mark down. Approval is a down payment and steady income, and the conversation about how and when the down payment arrives is part of agreeing on terms, not a test. Once terms are signed and earnest money is received, the home is held for you through closing. How earnest money works covers that step.
Browse live owner-finance inventory, or tell our team your budget and where you want to live. No credit pull, no obligation.
Where the money comes from is between you and the title company's requirements at closing. A gift from family is common. Talk to our team about the source before closing day so the title company has what it needs.
No. Closing costs are separate and are paid on top of the down payment at the title company. Our team gives you the full number before you sign.
On the homes available today the lowest down payment is $10,000. It changes as homes post and sell, so check the live list.