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     Homes For Zero Down in Bakersfield California

California Veterans Administration Website

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

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$319,000

1002 Guadalupe, Bakersfield, CA

Why wait for new construction? This beautiful home is move in ready. Home offers 4 bedrooms,2 baths,open floor plan for family time. This home is less that two years old ...

  • Beds4
  • Baths2
  • Courtesy ofInfinity Real Estate Services

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$354,000

5221 Blanco, Bakersfield, CA

Like-new construction but without the wait! This four-bedroom, two-bath home built by Richard Phillips in the Tyner Ranch Community. A beautiful, private, master-planned...

  • Beds4
  • Baths2
  • Courtesy ofCentury 21 Jordan-Link

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$479,900

15718 Tallus Ranch, Bakersfield, CA

Discover the epitome of suburban living in this spacious 4 bedroom, 2 bathroom home located in the desirable NorthWest Bakersfield gated community Tallus Ranch. Situated ...

  • Beds4
  • Baths2
  • Courtesy ofPlatinum Real Estate, Inc.

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$455,000

12110 Burnham, Bakersfield, CA

Like new Balfanz home 4 bedroom, 2 bath with 1844 square feet. Split wing floorplan, sitting on a large corner lot. Open concept kitchen with quartz counters and stainles...

  • Beds4
  • Baths2
  • Courtesy ofPosh Properties of California

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$546,100

11025 ARUNDEL, Bakersfield, CA

Exceptional Quality, Almost completed new home! The Kendal Plan by Froehlich Signature Homes is amazing! Featuring 2 Master suites with a total of 4 bedrooms and 3 baths ...

  • Beds4
  • Baths2.75
  • Courtesy ofMy Realty

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$449,000

8411 Littleton, Bakersfield, CA

Jeremy Willer Construction in the NW - Powder Ridge Community. Spanish elevation 2157 plan with 4 bedrooms 3 baths, 2 car and patio. White cabinets with hardware, tile ro...

  • Beds4
  • Baths3
  • Courtesy ofMiramar International-Riverwalk

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$599,900

14807 Plumeria, Bakersfield, CA

Look no further! Featuring this better than a new home by Lennar in the NW. This spacious home features everything you need.....3 Bed 2 Bath in the main house plus a full...

  • Beds4
  • Baths3
  • Courtesy ofBrimhall Realty

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$418,500

6712 Tulia Lane, Bakersfield, CA

Beautiful 4 bedroom/2 bath 1957sq.ft plan with open family room to large kitchen with beautiful dark cabinets, 10' granite island, stainless appliances, formal din, finis...

  • Beds4
  • Baths2
  • Courtesy ofKassy Miles Towery & Assoc.

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$739,900

16701 Pinecrest, Bakersfield, CA

Proposed construction from Roberson Homes plan 2804. 4 bedrooms, 2 3/4 baths, large open and airy family room, kitchen, and dining room. Some standard amenities include g...

  • Beds4
  • Baths2.75
  • Courtesy ofMiramar International Calloway

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$684,900

16746 Starview, Bakersfield, CA

Proposed construction from Roberson Homes plan 2512. 4 bedrooms, 2 1/2 baths, large open and airy family room, kitchen, and dining room. Some standard amenities include g...

  • Beds4
  • Baths2.5
  • Courtesy ofMiramar International Calloway

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$949,900

16725 Weatherly, Bakersfield, CA

Proposed construction for Roberson Homes plan 3172. 5 bedrooms 3 1/2 baths, large open and airy family room, kitchen, and dining room. Some standard features include gran...

  • Beds5
  • Baths3.5
  • Courtesy ofMiramar International Calloway

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$669,900

16744 Stone Mill, Bakersfield, CA

New construction to begin soon. Plan 2408 is a wonderful 4 bedrooms 2 bathroom home with a large open and airy family room, kitchen, and nook great room area. The separat...

  • Beds4
  • Baths2
  • Courtesy ofMiramar International Calloway

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$732,900

16703 Stone Mill, Bakersfield, CA

New Northwest Location- Manorwood Square features over 1/4 acre home sites. The new Cambridge by Froehlich Signature homes. This home will take your breath away... Offeri...

  • Beds4
  • Baths2.75
  • Courtesy ofMy Realty

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$697,900

16748 Brookview, Bakersfield, CA

Limited Opportunity! This beautiful Froehlich Signature home features 4 full bedrooms , 3 baths, 2 living areas, 3 car garage plus 13' for RV parking too. The finishes an...

  • Beds4
  • Baths2.75
  • Courtesy ofMy Realty

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$739,900

16700 Brookview, Bakersfield, CA

The Last Southhampton II in Manorwood Square by Froehlich Signature Homes... This beautiful plan offers 2983 sq. ft. of open living with 4 bedrooms, one being a junior su...

  • Beds4
  • Baths2.75
  • Courtesy ofMy Realty

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$729,900

8801 Dromana, Bakersfield, CA

The Last Southhampton II plan in the Lovely Snow Creek a Northwest Community... This Froehlich Signature Home is filled with Luxury features and finishes such as: Double ...

  • Beds4
  • Baths2.75
  • Courtesy ofMy Realty

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$689,900

16702 Pinecrest, Bakersfield, CA

Great Builder Incentives - Buy Your Interest Rate Down with preferred Lenders!!! Just Completed, Froehlich Signature Homes in Manorwood Square. The Nottingham II boasts 4...

  • Beds4
  • Baths2.75
  • Courtesy ofMy Realty

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$369,999

513 candia ave, Bakersfield, CA

Charming home located in la Jolla estates neighborhood. This beautiful newer home is ready to move in! Featuring 4 bedrooms, 2 bathrooms, an indoor laundry room, walk in ...

  • Beds4
  • Baths2
  • Courtesy ofElite, Realtors®

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$412,990

11101 Pasto, Bakersfield, CA

Fall in love with this beautiful 1900 square foot home. The Agave floor plan, nestled in the Rosemary Lantana community with full resort style pool, tennis court, beau...

  • Beds4
  • Baths2.5
  • Courtesy ofK. Hovnanian California Operations Inc.

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$995,000

13720 Stonethwaite, Bakersfield, CA

New Dave Packer custom home in desirable Highgate Shires. Distinctive Santa Barbara architectural design with all the upgrades typically found in a Dave Packer home. Exte...

  • Beds4
  • Baths2.5
  • Courtesy ofPremier Realty

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$417,900

10802 Pocono, Bakersfield, CA

Location, Location, Location! This is beautifully remodeled; showcasing 4 beds and 2 baths. Sharp! Clean! Elegant! Look at the view of the mountains when you head west. C...

  • Beds4
  • Baths2
  • Courtesy ofWatson Realty

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$675,000

9515 Riviera Del Sol, Bakersfield, CA

Why wait for new construction when you can have it all right here! Need that extra space for family? This beautiful home has 5 bedrooms, 4.5 baths, with an office/den wit...

  • Beds5
  • Baths4.5
  • Courtesy ofTeam Tracey Tipton, Chaddick Williams Realty

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$525,000

8304 Exodus, Bakersfield, CA

Beautifully built, 4 bedroom, 2.75 bath in The Fairways. Stone elevation, custom knotty alder cabinets, granite counter, sparkling pool, master suite with double sided fi...

  • Beds4
  • Baths2.75
  • Courtesy ofDobbs Realty Group

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$475,000

4107 Rolling Rock, Bakersfield, CA

Step inside this stunning 4-bed, 2.5-bath split wing home and be amazed by its luxurious features. The XL driveway, RV parking with hookups, and 3-car garage will take yo...

  • Beds4
  • Baths2.5
  • Courtesy ofBrian Hicks Real Estate Group

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$499,900

10211 Saint Albans, Bakersfield, CA

Burlington Home 4 bed w/ bonus room, 3 bath, One jetted tub, Kitchen granite, Faux wood blinds. Custom tile backsplash above kitchen granite. Stainless Whirlpool applianc...

  • Beds4
  • Baths3
  • Courtesy ofPremier Home Advisors Inc.

Provided Courtesy Of Bakersfield Association of Realtors.
Information Is Believed To Be Accurate But Not Guaranteed.
Copyright 2023 Bakersfield Association of Realtors. All Rights Reserved.
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