Bakersfield Home Search
Homes For Zero Down in Bakersfield California
One of the most frequent questions we are asked is about obtaining what the required down payment on a home will be, and if there are any programs for obtaining a "home for zero down" in Bakersfield.
Even though the mortgage industry has really tightened on the rules to qualify for for financing real estate, there are still a couple of options when it comes to purchasing a home with a zero down payment.
Zero Down for Veterans
If you are a veteran, you can purchase with no money down using VA or CalVet financing. The California Dept of Veteran Affairs (or CalVet) website offers a very good FAQ page for the housing benefits which may answer your questions and put you on the track for obtaining the benefits which you richly deserve for serving your country. It offers answers to questions about refinancing, loan terms, late payments, escrow, and more. We urge all veterans to visit this website and contact their local office for assistance and prequalification.
US Dept of Agriculture Mortgage Loans
For those who do not qualify for VA financing, there is the option of using USDA financing. The only drawbacks are that there are income restrictions and it only applies to homes purchased in the rural areas surrounding Bakersfield, such as Shafter, Wasco and Arvin.
Buying a Home in Bakersfield With Minimum Down
While not truly 100% financing, one of the most often used programs that requires a very minimal down payment is the California Homebuyer's Downpayment Assistance Program (CHDAP). With the use of a CHDAP junior loan and a FHA or CalHFA first loan, buyers are able to purchase their homes with as little as 1/2% down. Contact us for more details.
One important thing to keep in mind is that even with a zero or low down loan, there are still other costs associated with the purchase of a home. Closing costs and impounds that include taxes and insurance can total up to several percent of the purchase price of a home… Luckily, with our negotiating skills, we are usually able to get the seller to pay for most, if not all of the closing costs. We can help you buy the home of your dreams! Call us today and let's discuss it!
Bakersfield Homes For Sale
$685,000
14733 Blue Stream, Bakersfield, CA
Luxury in Tuscany! Boasting 5 bdrms, 3 baths, spacious great room, this property provides space for large families and entertaining. The upstairs suite/loft, complete wit...
- Beds5
- Baths3
- Courtesy ofMiramar International-Riverwalk
$449,950
10014 Revere Beach, Bakersfield, CA
Absolutely clean as a whistle 4 bedroom, split wing McMillin home on a cul-de-sac street in the great Bridgeton community, and in very popular school districts! Beautiful...
- Beds4
- Baths2
- Courtesy ofWatson Realty
$3,400,000
18217 Tiata, Bakersfield, CA
One of Bakersfield's greatest estates ever is now available. Only the finest custom amenities adorn this magnificent treasure located on a 2.4 acre prime NW Bakersfield c...
- Beds8
- Baths8.5
- Courtesy ofPrestige Properties Team Tipton - Miramar International-Riverwalk
$455,000
11011 Sonoma Creek, Bakersfield, CA
Welcome to your new home in Bakersfield! This 2-story gem boasts 4 beds, 2.5 baths, and an open concept kitchen/living area perfect for gatherings. Nestled in a quiet cul...
- Beds4
- Baths2.5
- Courtesy ofCentury 21 Jordan-Link
$499,000
10812 Asunsion, Bakersfield, CA
Take a look at this beautiful open floor plan home nestled in the Rosemary Lantana community with full resort style pool, tennis court, beautiful entry way for the commun...
- Beds4
- Baths2
- Courtesy ofOrtega Realty
$495,279
7921 Gypsum, Bakersfield, CA
This beautiful Farmhouse style plan built by John Balfanz Homes is our 2236sqft plan in our Almond Creek community. This lovely home includes 4 bedrooms, 2 bathrooms. Thi...
- Beds4
- Baths2.5
- Courtesy ofGreg Balfanz, Broker
$493,259
8011 Gypsum, Bakersfield, CA
This beautiful Spanish style plan built by John Balfanz Homes is our 2236sqft plan in our Almond Creek community. This lovely home includes 4 bedrooms, 2 bathrooms. This ...
- Beds4
- Baths2
- Courtesy ofGreg Balfanz, Broker
$449,900
10609 Montemar, Bakersfield, CA
Another great property just hit the market in the southwest side of this great city of Bakersfield. Property features include, granite counter tops in kitchen with new si...
- Beds4
- Baths2
- Courtesy ofMatrixx Realty
$1,295,000
16608 Millwood, Bakersfield, CA
Nature, lifestyle, light are emphasized in this midcentury modern home. TWO homes not one, characterized by large open spaces, floor-to-ceiling windows, glass doors, many...
- Beds5
- Baths3.5
- Courtesy ofColdwell Banker Preferred, REALTORS®
$578,900
9826 Pocohontas, Bakersfield, CA
Prepare to fall in love with this beautiful 4-bedroom 2.5-bathroom, 3 car garage home built in 2019. This property features a fantastic open floor plan with high ceilings...
- Beds4
- Baths3
- Courtesy ofMatrixx Realty
$789,575
3309 Jardineire, Bakersfield, CA
Belcourt Seven Oaks has a Modern Plan 2737 under construction and waiting for a buyer to add their personal touch. With 4 bedroom, 3.5 baths and formal dining room, this ...
- Beds4
- Baths3.5
- Courtesy ofWoodbridge Pacific Group
$843,125
3316 Jardineire, Bakersfield, CA
Under construction in Belcourt Westhaven Seven Oaks is this 2862 American Traditional home. With the ability at this current stage of construction to customize this home...
- Beds4
- Baths3.5
- Courtesy ofWoodbridge Pacific Group
$513,900
7615 Gooseberry, Bakersfield, CA
A formal living room provides an ideal entertainment area for special events. The incredible kitchen is loaded with upgrades such as granite countertops, wood cabinetry w...
- Beds5
- Baths3
- Courtesy ofLGI Realty - California, Inc.
$519,999
15810 Cole Brook, Bakersfield, CA
Woodside Home, Graham Grove community in Stockdale Ranch, is now available for you to call home. This home features 4 bedroom 3 bathroom, a primary suite, junior suite an...
- Beds4
- Baths3
- Courtesy ofMiramar International Calloway
$699,999
6102 Gallitan, Bakersfield, CA
Welcome to this stunning 4-bedroom plus office, 2.5-bath, 3006 sqft home on a 10,454 sqft corner lot in Northwood Ranch's gated community, The Estates at Northwood Ranch....
- Beds4
- Baths2.5
- Courtesy ofAgentcor-Big Block Realty
$485,000
10505 Pointe Royal, Bakersfield, CA
Absolutely stunning 5 bedroom, 3 bathroom in one of Bakersfield's most sought after neighborhoods, Cantabria at Coronado Point. You are welcomed through the front door of...
- Beds5
- Baths3
- Courtesy ofMcMahon Real Estate
$559,000
7931 Papaya Grove, Bakersfield, CA
Lennar New Construction - Choral Series| Fox Meadow in Bakersfield, CA. The Great Room, kitchen and dining room are situated among a convenient and contemporary open floo...
- Beds5
- Baths3
- Courtesy ofMiramar International-Riverwalk
$875,000
3309 Daybreak, Bakersfield, CA
Stunning, nearly new construction property (built in 2022) in the beautiful Westhaven neighborhood of Belcourt at Seven Oaks. A Mohogany Series Plan 3, this floor plan ha...
- Beds4
- Baths3.5
- Courtesy ofWatson Realty
$582,500
11026 Everclear, Bakersfield, CA
New Home,July Completion... Wonderful opportunity to enjoy this Froehlich Signature Home Located in The Enclave @ BV an affordable luxury community in Southwest Bakersfie...
- Beds4
- Baths2.75
- Courtesy ofMy Realty
$459,900
9110 Staten Island, Bakersfield, CA
Are you ready for an amazing family home? Popular 2 story floor plan in the Tradewinds community is ready for it's new owners. You will love the expansive space in this h...
- Beds4
- Baths3
- Courtesy ofKeller Williams Realty
$428,900
10318 Lerwick, Bakersfield, CA
Welcome to your dream home! This impeccably maintained gem shows pride of ownership. The open floor plan is flooded with natural light, creating a warm and inviting atmos...
- Beds4
- Baths2
- Courtesy ofThe Mora Partners Inc.
$475,990
6006 Potosi, Bakersfield, CA
Fall in love with the beautiful Marigold home plan, nestled in the Rosemary Lantana community with full resort style pool, tennis court, beautiful entry way, access to Ci...
- Beds5
- Baths3.5
- Courtesy ofK. Hovnanian California Operations Inc.
$467,990
10616 Patagonia, Bakersfield, CA
Fall in love with the beautiful and a new Verbena model, single story home. The Verbena floor plan, nestled in the Rosemary Lantana community with full resort style pool,...
- Beds4
- Baths2
- Courtesy ofK. Hovnanian California Operations Inc.
$529,900
6007 Cook, Bakersfield, CA
Come out and take a look at this Burlington Homes Plan 4 (2403 sq ft) which features 4 bedrooms and 3 baths, and a large lot 8,100 sq ft on a cul de sac street . This ama...
- Beds4
- Baths3
- Courtesy ofPremier Home Advisors Inc.
$625,000 ▼
1704 Apsley, Bakersfield, CA
Introducing 1704 Aplsey Ct, an exquisite residence nestled within the prestigious Highgate Seven Oaks community in Bakersfield, CA. This stunning property offers plenty o...
- Beds5
- Baths4
- Courtesy ofMiramar International-Riverwalk
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