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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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$429,000

5803 Vespucci, Bakersfield, CA

Welcome to Your Dream Home! Nestled in the beautiful southwest, this 4 bedroom, 3 bathroom home is sure to impress. Built in 2022, it has all the modern amenities and upd...

  • Beds4
  • Baths3
  • Courtesy ofAgentcor-Big Block Realty

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$987,000

3702 Marian, Bakersfield, CA

This stunning Belcourt Seven Oaks home will take your breath away! Nestled in the prestigious Patina community, it features 4 bedrooms, 4 bathrooms, and 3092 square feet ...

  • Beds4
  • Baths4
  • Courtesy ofAgentcor-Big Block Realty

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$495,000

11005 Vista Del Christo, Bakersfield, CA

The Beautiful home in SW Bakersfield you've been looking for is here! This house has a 3 car garage, RV Parking, and HUGE backyard for you and your family to enjoy. You w...

  • Beds4
  • Baths2
  • Courtesy ofDees Realty Group - Werx Realty Group, Inc.

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$449,990

13301 Boyd Lake, Bakersfield, CA

Charming 4 bed, 2 bath home with paid-off solar in the desirable NW area of Bakersfield. Inside, you'll find an inviting open floor plan with spacious rooms and a cozy ki...

  • Beds4
  • Baths2
  • Courtesy ofThe Mora Partners

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$409,900

9326 Cousteau, Bakersfield, CA

Move-in-ready residence offers a comfortable & convenient lifestyle. Spacious & light-filled living room. Modern, roomy kitchen boasts sleek stainless steel appliances, a...

  • Beds4
  • Baths2
  • Courtesy ofCentury 21 Jordan-Link

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$488,890

15709 Cole Brook, Bakersfield, CA

New Construction home that will be completed in July. This 1948 sq. ft. home has 4 bedrooms and 3 bathrooms that includes a Guest Suite with it's own bathroom. This home ...

  • Beds4
  • Baths3
  • Courtesy ofWoodside Homes of Fresno

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$445,000

8434 Andromeda, Bakersfield, CA

Welcome to your dream home with a captivating yard! This remarkable residence boasts four bedrooms, two baths, and a convenient indoor laundry room. The expansive and inv...

  • Beds4
  • Baths2
  • Courtesy ofElite, Realtors®

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$491,990

4701 Hayvenhurst Unit 30, Bakersfield, CA

Enjoy this grand and spacious two-story home! With five bedrooms and three baths, the open-concept plan inspires relaxation and joyful activity. Designed for entertaining...

  • Beds5
  • Baths3
  • Courtesy ofD.R. Horton

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$493,220

4805 Havenhurst Unit 23, Bakersfield, CA

This beautiful two-story home is loaded with curb appeal and offers flexibility in allowing for a variety of living arrangements. Featuring four bedrooms, a loft, and two...

  • Beds5
  • Baths3.5
  • Courtesy ofD.R. Horton

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$399,805

7409 Sepulveda Unit 22, Bakersfield, CA

This thoughtfully designed single-story home greets guests with a quaint exterior and conceals an exceptional plan. Homeowners will delight in the welcoming feel upon ent...

  • Beds4
  • Baths2
  • Courtesy ofD.R. Horton

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$432,030

7405 Sepulveda Unit 21, Bakersfield, CA

This thoughtfully designed 1862 single-story home greets guests with a quaint exterior and conceals an exceptional plan. Homeowners will delight in the welcoming feel upo...

  • Beds4
  • Baths3
  • Courtesy ofD.R. Horton

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$384,490

4721 Hayvenhurst Unit 25, Bakersfield, CA

This thoughtfully designed single-story home greets guests with a quaint exterior and conceals an exceptional plan. Homeowners will delight in the welcoming feel upon ent...

  • Beds4
  • Baths2
  • Courtesy ofD.R. Horton

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$485,000

6401 Cape Cod, Bakersfield, CA

Looking for a spacious and comfortable family home? Look no further! Our stunning 4 bedrooms 2.5 bath is the perfect place for you and your loved ones. Featuring a mode...

  • Beds4
  • Baths3
  • Courtesy ofJoyful Homes Real Estate

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$383,490

6011 Vespucci Unit 40, Bakersfield, CA

This thoughtfully designed single-story home greets guests with a quaint exterior and conceals an exceptional plan. Homeowners will delight in the welcoming feel upon ent...

  • Beds4
  • Baths2
  • Courtesy ofD.R. Horton

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$414,490

6015 Vespucci Unit 41, Bakersfield, CA

This thoughtfully designed 1862 single-story home greets guests with a quaint exterior and conceals an exceptional plan. Homeowners will delight in the welcoming feel upo...

  • Beds4
  • Baths3
  • Courtesy ofD.R. Horton

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$386,490

6007 Vespucci Unit 39, Bakersfield, CA

This thoughtfully designed single-story home greets guests with a quaint exterior and conceals an exceptional plan. Homeowners will delight in the welcoming feel upon ent...

  • Beds4
  • Baths2
  • Courtesy ofD.R. Horton

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$414,490

6003 Vespucci Unit 38, Bakersfield, CA

This thoughtfully designed 1862 single-story home greets guests with a quaint exterior and conceals an exceptional plan. Homeowners will delight in the welcoming feel upo...

  • Beds4
  • Baths3
  • Courtesy ofD.R. Horton

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$439,900

5121 Villa Bella, Bakersfield, CA

Welcome to your dream home located in the charming southwest area of Bakersfield, California! This stunning property boasts a spacious 4 bedrooms, 2 bathrooms, and 2,178 ...

  • Beds4
  • Baths2
  • Courtesy ofAgentcor-Big Block Realty

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$599,999

9901 Silverthorne, Bakersfield, CA

Semi-custom home in the desired neighborhood of North Pointe in the Northwest. OWNED SOLAR for energy efficiency. The home features Split wing, 4 spacious bedrooms, 3 ...

  • Beds4
  • Baths3
  • Courtesy ofCoastal Connection Real Esate

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$470,490 ▲

6104 Vespucci Unit 45, Bakersfield, CA

This beautiful two-story home is loaded with curb appeal and offers flexibility in allowing for a variety of living arrangements. Nestled at the end of a Cul de sac stree...

  • Beds5
  • Baths3.5
  • Courtesy ofD.R. Horton

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$579,999

14113 Barbon Beck, Bakersfield, CA

Why buy new when you can have this Adorable home located in the Gated Community of Highgate Seven Oaks in Southwest Bakersfield. This home boasts of 4 bedrooms, 3 bathroo...

  • Beds4
  • Baths3
  • Courtesy ofBerkshire Hathaway Homeservices Associated Real Estate

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$689,998 ▼

9508 Riviera Del Sol, Bakersfield, CA

Welcome Home to this beautiful home in NW Bakersfield. Picture yourself living in this amazing 5 bedroom, 3.5 bathroom home with a salt water pool, and three car garage t...

  • Beds5
  • Baths3.5
  • Courtesy ofWerx Realty

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$514,990

7211 Shooting Star Unit 2015, Bakersfield, CA

This spacious two-story, five bedroom, three bathroom home offers approximately 2,814 square feet of living space and is enhanced with 9' ceilings. A bedroom and a full b...

  • Beds5
  • Baths3
  • Courtesy ofD.R. Horton

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$519,900

15620 Marcella, Bakersfield, CA

What a Beautiful home in the Northwest gated community of Saddleback at Tallus Ranch with 4 bedrooms, 3 bathrooms and a 3 car garage all on an extra large lot. Room for a...

  • Beds4
  • Baths3
  • Courtesy ofThe Busby Team Miramar International - Riverwalk

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$420,000

9714 Oporto, Bakersfield, CA

City in the Hills Beauty and only minutes away from the Kern River and Lake Ming!.. 4 bedrooms 3 Baths,3 Car Garage, Large home!, Separate Family room with a fireplace, L...

  • Beds4
  • Baths3
  • Courtesy ofWerx Realty

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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