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
$1,000,000
15630 Calistoga, Bakersfield, CA
Absolutely fabulous 5 bed + 3 Bath Custom Home on over 1/2 Acre lot. Great home for families and entertaining. Incredible floor plan with Huge master Bedroom with firepla...
- Beds5
- Baths3
- Courtesy ofReal Estate eBroker, Inc.
$699,888
12313 Parkerhill, Bakersfield, CA
This property is a masterpiece! Elegant home in the highly desired, gated area of Windermere Park in Seven Oaks. The list of amenities is long, including spacious living ...
- Beds4
- Baths3.5
- Courtesy ofRE/MAX One
$975,000
13714 Stonethwaite, Bakersfield, CA
This custom-built Gaskill Rose home in the double-gated Highgate Shires community at Seven Oaks is amazing!!! It features four bedrooms, 3.5 baths, and an open split-wing...
- Beds4
- Baths3.5
- Courtesy ofPrestige Properties Team Tipton - Miramar International-Riverwalk
$389,777
11100 Baltra, Bakersfield, CA
Incredible deal with 4 bedrooms and 3 baths! Panoramic view of nature surrounds this beautiful area of City in the Hills! Gorgeous mountain and hill views and rows of ol...
- Beds4
- Baths3
- Courtesy ofColdwell Banker Preferred, REALTORS®
$730,000
15216 Ella Jane, Bakersfield, CA
Discover the embodiment of luxury living in this 4-bed, 3-bath masterpiece, situated on a sprawling quarter-acre corner lot. Boasting 3,284 sqft of meticulously designed ...
- Beds4
- Baths3
- Courtesy ofThe Mora Partners
$570,000
9701 Blountsville, Bakersfield, CA
Welcome to your dream home! This newer southwest gem, nestled on a corner lot, was a former model showcasing all the bells and whistles and Paid Solar! Boasting 4 beds, 3...
- Beds4
- Baths3
- Courtesy ofAgentcor-Big Block Realty
$449,990
11417 Eresma, Bakersfield, CA
Former Centex model home features completely remodeled interior! Spacious 4 bedroom 2 bath home with fireplace and inground pool. Mature landscape in both the front and b...
- Beds4
- Baths2
- Courtesy ofNext Level Realty & Loans Inc.
$386,490
4805 Berkshire Unit 3, Bakersfield, CA
This single-story, four bedroom, two bathroom home offers approximately 1,509 square feet of living space with an open-style living room and adjoining kitchen and dining ...
- Beds4
- Baths2
- Courtesy ofD.R. Horton
$386,490
4721 Berkshire Unit 5, Bakersfield, CA
This single-story, four bedroom, two bathroom home offers approximately 1,509 square feet of living space with an open-style living room and adjoining kitchen and dining ...
- Beds4
- Baths2
- Courtesy ofD.R. Horton
$421,490
4809 Berkshire Unit 2, Bakersfield, CA
This single-story, split floorplan offers four bedrooms and three bathrooms within approximately 1,862 square feet of living space. An open-style living room, great room ...
- Beds4
- Baths3
- Courtesy ofD.R. Horton
$549,000
10103 Estacada, Bakersfield, CA
Experience abundant space and contemporary comfort in this newer 2 story, 5-bed, 3-bath home nestled in a sought-after southwest neighborhood. This corner lot gem feature...
- Beds5
- Baths3
- Courtesy ofAgentcor-Big Block Realty
$829,000
16432 Blake Island, Bakersfield, CA
Nestled in the Monterey Ranch community, this stunning property boasts 4 bedrooms plus office, 2.5 bathrooms, and 3,114 sq ft of living space. Situated on a spacious appr...
- Beds4
- Baths3
- Courtesy ofRE/MAX Golden Empire
$365,000
7207 Olen Arnold, Bakersfield, CA
Spacious Home built in 2014. 1547 Sq Ft, 4 bedrooms 2 full size bathrooms with quarts counters. Kitchen efficiently designed with Granite counters and a Pantry! Front and...
- Beds4
- Baths2
- Courtesy ofMiramar International - Harris Road
$370,000
8336 Polaris, Bakersfield, CA
The open living great room, kitchen and dining area of this home makes a great place to welcome guests. 4 bedrooms, 2 full baths, and indoor laundry round out the comfort...
- Beds4
- Baths2
- Courtesy ofColdwell Banker Preferred, REALTORS®
$467,000
5204 Lomica, Bakersfield, CA
Why wait for New Construction? Check out this beautiful, never-been-on-the-market John Balfanz home! Built in 2017, enjoy this spacious 4 bedrooms, 2 bathrooms beauty! Wi...
- Beds4
- Baths2
- Courtesy ofWerx Realty
$469,900
5508 Rockview, Bakersfield, CA
Welcome this Southwest Bakersfield Home! This home is a 5 bedroom, 2.5 bath. Very spacious home with side access through iron gate, large backyard and more! Conveniently ...
- Beds5
- Baths2.5
- Courtesy ofSolutions Realty, Inc.
$615,000
8413 Frankie Lou, Bakersfield, CA
New Jeremy Willer Construction located in the Northwest- 2 units on 1 lot. The front unit is 822 sq ft 2 bedrooms with 2 baths, the back unit is 1244 sq ft 3 bedrooms wi...
- Beds5
- Baths4
- Courtesy ofCentral Valley Property Advisors
$615,000
8417 Frankie Lou, Bakersfield, CA
New Jeremy Willer Construction located in the Northwest- 2 units on 1 lot. The front unit is 822 sq ft 2 bedrooms with 2 baths, the back unit is 1244 sq ft 3 bedrooms wi...
- Beds5
- Baths4
- Courtesy ofCentral Valley Property Advisors
$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
$399,860
1015 Macclesfield, Bakersfield, CA
Residence 3 is our 2050 square foot plan featuring a formal living and separate family room. This home also has a formal dining room and 4 large bedrooms with 2 full bath...
- Beds4
- Baths2
- Courtesy ofGreg Balfanz, Broker
$399,860
1012 Hartlepool, Bakersfield, CA
Residence 3 is our 2050 square foot plan featuring a formal living and separate family room. This home also has a formal dining room and 4 large bedrooms with 2 full bath...
- Beds4
- Baths2
- Courtesy ofGreg Balfanz, Broker
$387,840
1020 Hartlepool, Bakersfield, CA
Residence 2 is our 1844 square foot plan with a wonderful great room. This plan features 4 bedrooms and 2 bathrooms. Home is under construction. Pictures shown are simila...
- Beds4
- Baths2
- Courtesy ofGreg Balfanz, Broker
$565,000
10202 Revere Beach, Bakersfield, CA
An entertainer's delight! This lovely 4 bed, 3 bath home offers so much versatility! Step inside to a large great room and dining area with an open-concept kitchen that o...
- Beds4
- Baths3
- Courtesy ofWatson Realty
$750,000
16721 Starview, Bakersfield, CA
Welcome to the highly sought after neighborhood and community of Manorwood square! This semi-custom home will capture your attention with its sleek modern elevation and s...
- Beds4
- Baths3.5
- Courtesy ofWayside Homes - Miramar International Riverwalk
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