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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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$656,900

11127 ARUNDEL, Bakersfield, CA

Opportunity Knocks, Brand New Quality Home with Premium Finishes...The Enclave @ BV by Froehlich Homes. Introducing the Cambridge plan featuring 5 bedrooms,4 baths includ...

  • Beds5
  • Baths3.75
  • Courtesy ofMy Realty

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$644,900

12145 S Pendulum, Bakersfield, CA

This beautiful 2678 Square foot home features 4 bedrooms, 3 bathrooms, family room, formal living room, and a 3-car garage. Upgrades include Deluxe Master Bath B with wal...

  • Beds4
  • Baths3
  • Courtesy ofS&S Homes Realty

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$481,490

15835 Santa Clara, Bakersfield, CA

Need more space? Come check out our Cul-de-sac lot with over 9,000 sq. ft. Our Evergreen plan with our most popular exterior elevation in Farmhouse, comes with 4 bedroom...

  • Beds4
  • Baths3
  • Courtesy ofWoodside Homes of Fresno

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$1,060,500

15045 Mooresville, Bakersfield, CA

Luxury awaits you in this exquisite home located in prestigious Talladega. This Delfino built home sits on over half an acre corner lot and has OWNED Solar. Beautiful do...

  • Beds4
  • Baths3.5
  • Courtesy ofBerkshire Hathaway Homeservices Associated Real Estate

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$499,900

5116 Trinidad Lake, Bakersfield, CA

Welcome to North West Bakersfield's little hidden gem! This beautiful home features 4 spacious bedrooms, 2 bathrooms. Walking into your almost new home, high ceilings wel...

  • Beds4
  • Baths2
  • Courtesy ofColdwell Banker Residential Brokerage Company

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$599,900

5817 Luckman, Bakersfield, CA

Former Model Home in Southwest Bakersfield. Move in ready with 5 bedrooms, 2 bathrooms, and over 2700 sq. ft. Front and backyard landscaping and split wing.

  • Beds5
  • Baths2
  • Courtesy ofKyle Wigley, Broker

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$469,900

5502 Viewcrest, Bakersfield, CA

Perfect opportunity to be the homeowner of this beautiful and spacious two story home with a great open floor plan in a highly sought out neighborhood in Southwest Bakers...

  • Beds4
  • Baths3
  • Courtesy ofInfinity Real Estate Services

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$550,000

5204 Wailea, Bakersfield, CA

Absolutely incredible Hageman Ranch home! This Stunning 4 bedroom, 2.5 bathroom home has been lovingly and meticulously updated and maintained. This open concept home fea...

  • Beds4
  • Baths2.5
  • Courtesy ofColdwell Banker Preferred, REALTORS®

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$444,900

5219 Wingspan, Bakersfield, CA

Gorgeous new construction home in Auburn Oaks. This property offers 4 bedrooms, 2 bath, 3 car garage with a 1,927 square feet of living space. Home has high ceilings, ope...

  • Beds4
  • Baths2
  • Courtesy ofPrestige Real Estate

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$399,900

11406 Tagus, Bakersfield, CA

Opportunity Knocks ! This 4 bedroom, 2 bath property offers an open floor plan , huge kitchen with miles of counter space,, indoor laundry, there is also a cozy office a...

  • Beds4
  • Baths2
  • Courtesy ofWatson Realty

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$380,000

5301 canaveral, Bakersfield, CA

Are you looking for a new construction house but do not want to wait months! Stop in and take a look at this home located in Tyner Ranch 3. This home is 1580 sq ft and ...

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

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$525,000

11814 Campus Park, Bakersfield, CA

Better than New! One of the very best neighborhoods is ready for you! Come take a look at this newly built home. This 2,205 sqft home features 4 bedroom, 3-baths. Home of...

  • Beds4
  • Baths4
  • Courtesy ofPerformance Realtors, Inc

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$705,000

14515 Wayne Lee, Bakersfield, CA

Beautiful home sitting on a quiet cul-de-sac with amazing cub appeal! This master piece shows like new and features 4-bed, 3-bath, and a large open floor plan with beauti...

  • Beds4
  • Baths3
  • Courtesy ofBrian Hicks Real Estate Group

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$575,000

15509 Via Bassano, Bakersfield, CA

Amazing Gem in Rio Bravo's newest development Rio Vista gated community walking distance to the Gorgeous Rio Bravo Golf Course. This Wonderful home is 2911 sqft with paid...

  • Beds5
  • Baths3
  • Courtesy ofSafeGuard Realty Investments

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$475,000

12613 Larkin, Bakersfield, CA

Just in time for Summer comes this clean 4 bedroom + plus office nook 2 bath NW Bakersfield home with Pool and Spa! This corner home features an open concept living room ...

  • Beds4
  • Baths2
  • Courtesy ofHelp-U-Sell Bakersfield Equity Savers

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$415,000

11504 Pacific Harbor, Bakersfield, CA

Welcome home! This 4-bedroom home is nestled in a quiet northwest neighborhood in the Rosedale Union School District. The floor plan has plenty of room to entertain and f...

  • Beds4
  • Baths2
  • Courtesy ofRE/MAX Golden Empire

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$629,900

13710 Pemberley Passage, Bakersfield, CA

This stunning move-in ready home in the highly sought after Highgate neighborhood is the one you have been searching for! Located in the best private and gated community ...

  • Beds4
  • Baths3
  • Courtesy ofWyrick & Associates Real Estate

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$995,000

13625 Stonethwaite, Bakersfield, CA

Rare Opportunity!! Don't wait on new construction when this home is practically brand new. Large lot in the highly sought-after Highgate Seven Oaks community offers a cle...

  • Beds5
  • Baths3.5
  • Courtesy ofMiramar International-Riverwalk

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$420,000

10912 Alexander Falls, Bakersfield, CA

Welcome to the beautiful Northwest Celebrations neighborhood. This property is close to shopping, parks and the award winning Norris School District. This split wing home...

  • Beds4
  • Baths2
  • Courtesy ofMiramar International-Riverwalk

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$405,900

7803 Dawes Point, Bakersfield, CA

This is a 4 Bed room and 2 bath on a corner lot. Vaulted ceiling in family and kitchen area. Upgraded kitchen appliances, granite countertop, and cabinetry.Never run out ...

  • Beds4
  • Baths2
  • Courtesy ofGolden Triumph Realty Corp

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$519,000 ▼

14725 Blue Stream, Bakersfield, CA

Look no further! This beautiful home features 4 bedrooms and 2 bathrooms. Open floor-plan with a large great room overlooking the kitchen and dining. Split wing floor pla...

  • Beds4
  • Baths2
  • Courtesy ofAustin David Hynds, Broker

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$389,999

2414 Trapper, Bakersfield, CA

Beautiful John Balfanz home located in the wonderful Bella Vista neighborhood! Close to shopping and schools. It offers 5 beds, 2 baths, open floor plan, kitchen features...

  • Beds5
  • Baths2
  • Courtesy ofMatrixx Realty

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$436,990

5818 Vespucci Unit 24, 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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$539,900

7913 Prism, Bakersfield, CA

Looking for a MOVE IN READY SW, two story stunner?! Look no further! 5 bedrooms, 4 bathrooms, separate dining & living room, 2 Car Garage. Upgraded kitchen countertops wi...

  • Beds5
  • Baths4
  • Courtesy ofBluehorse Real Estate, Inc.

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$641,760

8802 Casella, Bakersfield, CA

John Balfanz Homes 2642 plan with our popular modern elevation ready in August. Large floorplan focused on entertaining with spacious open kitchen, butler's pantry and fe...

  • Beds4
  • Baths3
  • Courtesy ofGreg Balfanz, Broker

Provided Courtesy Of Bakersfield Association of Realtors.
Information Is Believed To Be Accurate But Not Guaranteed.
Copyright 2022 Bakersfield Association of Realtors. All Rights Reserved.
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