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
$354,900
15017 Via Messina, Bakersfield, CA
This is a WOW! A lovely home in the beautiful Rio Bravo Country Club with it's own pool. Gracious living at it's best, with the nearby golf course and new Cafe Med Rest...
- Beds4
- Baths3
- Courtesy ofCentury 21 - Jordan Link
$475,000
3110 Valdena, Bakersfield, CA
Spectacular Seven Oaks home in the wonderful and always popular gated community of Windermere! Gorgeous, immaculate, and move in ready, this 4 bedroom, 2 bath home is j...
- Beds4
- Baths2
- Courtesy ofWatson Realty ERA
$349,900
6818 Cattail Creek, Bakersfield, CA
Nothing to do but move in. Beautiful 4 bedroom, 2.5 bath home, great room design, 3 car garage and sitting on a corner lot.
- Beds4
- Baths2.5
- Courtesy ofColdwell Banker Preferred, REALTORS®- Ming Office
$299,000
5400 Segovia, Bakersfield, CA
Immaculate 4 bedroom, 3 bath home with breath taking views. This gem has new flooring, crown molding, open kitchen with an island, granite counter tops, rock fireplace, w...
- Beds4
- Baths3
- Courtesy ofColdwell Banker Preferred , REALTORS®. - Coffee Road office
$309,000
5514 Crystal Cascade, Bakersfield, CA
New Jeremy Willer Construction - The Highlands Spanish Style 2003 square feet, featuring a spacious open floor plan with a great room, 4 bedrooms, 2.0 bathrooms, separate...
- Beds4
- Baths2
- Courtesy ofMiramar International-Riverwalk
$308,525
6101 Commonwealth Unit Lot22, Bakersfield, CA
Popular Zephyr Plan features 5 bedrooms, 3.5 baths plus game room, Formal living room, great room and a 2 car garage. Still time to choose your interior colors! Stop in...
- Beds5
- Baths3.5
- Courtesy ofD.R. Horton
$310,025
6113 Commonwealth Unit Lot25, Bakersfield, CA
Popular Zephyr Plan on a large lot! Features 5 bedrooms, 3.5 baths, Formal living room, great room and a 2 car garage. kitchen features stainless steel appliances and upg...
- Beds5
- Baths3.5
- Courtesy ofD.R. Horton
$310,025
6023 Commonwealth Unit Lot19, Bakersfield, CA
Popular Zephyr Plan on a large lot! Features 5 bedrooms, 3.5 baths, Formal living room, great room and a 2 car garage. kitchen features stainless steel appliances and upg...
- Beds5
- Baths3.5
- Courtesy ofD.R. Horton
$659,900
1613 Pissarro, Bakersfield, CA
Newly Completed - Froehlich Signature Home. Gorgeous modern farmhouse kitchen that opens to large gathering area and huge outdoor living spaces. Elegant formal room with ...
- Beds5
- Baths3
- Courtesy ofMy Realty
$317,500
Bakersfield, CA
City in the Hills Beauty. With almost 2600 square ft of living space this 4bdrm 3 full bath home offers 20 ft ceiling in Formal Living and Dining, 1 bdrm and bathroom dow...
- Beds4
- Baths3
- Courtesy ofRE/MAX Golden Empire
$335,000
12009 Compass, Bakersfield, CA
Come see this beautiful 4 bedroom, 3 bath home featuring a formal living room and family room, open concept kitchen with a large island, granite countertops, stainless st...
- Beds4
- Baths3
- Courtesy ofLockhart Realty Group
$495,000
12829 cliff ave, Bakersfield, CA
This Beautiful home with gorgeous views just was recently appraised at asking price. Magnificent views of the mountains, this brand new home has 3 full bathrooms 4 spacio...
- Beds4
- Baths3.5
- Courtesy ofEl Valle Realty
$295,000
1817 Delacorte, Bakersfield, CA
Welcome to University Park!This Spacious, Low Maintenance Beauty is 2116sf and features 4 bedrooms, 2 full bathrooms upstairs, and one guest bathroom and Office downstair...
- Beds4
- Baths2.5
- Courtesy ofWatson Realty ERA
$250,000
2511 Berkshire, Bakersfield, CA
Delightful 4-bedroom, 2-bathroom home in SW Bakersfield! This 1,837 sq. ft. home is great for entertaining with a great room, breakfast area kitchen with an island breakf...
- Beds4
- Baths2
- Courtesy ofPlatinum Real Estate, Inc.
$299,000
7004 Dravite, Bakersfield, CA
Lennar home in great neighborhood. Pride of ownership throughout this lovely home. Some features are the wood flooring throughout the main living areas and newer carpet i...
- Beds4
- Baths2
- Courtesy ofColdwell Banker Preferred, REALTORS®- Ming Office
$540,000
6804 Canaletto, Bakersfield, CA
Large home in gated community of Tuscany with a guest house.
- Beds6
- Baths4.5
- Courtesy ofColdwell Banker Preferred, REALTORS®- Ming Office
$369,900
15 White Alder, Bakersfield, CA
Ready to meet your dream home? Seller recently spent over $60,000 on the backyard! This stunning 5 bed, 2.75 ba home is move-in ready & complete with upgrades galore! Be ...
- Beds5
- Baths2.75
- Courtesy ofPlatinum Real Estate, Inc.
$289,777 ▼
2125 Donnalynn, Bakersfield, CA
Beautiful, spacious Balfanz home! 4 Bedrooms and 2 full baths. Large living space with huge upgraded kitchen open to family room. Large pantry for storage in the kitchen...
- Beds4
- Baths2
- Courtesy ofMiramar International - Mill Rock
$379,000
5106 Sweet Grass, Bakersfield, CA
Jeremy Willer Construction now selling in Sunset Ridge, 2563 Plan, 3 bedrooms and office or 4 bedrooms, 2.5 baths and 3 car finished garage. A few of our standard feature...
- Beds4
- Baths2.5
- Courtesy ofMiramar International-Riverwalk
$503,034
15002 Hannah Lyn, Bakersfield, CA
Shenandoah plan 3707 sq.ft. This gorgeous home has everything you're looking for when shopping for a new home! On a 10k sq. ft. lot this home offers 4 beds 1 which is do...
- Beds4
- Baths3
- Courtesy ofWoodside Homes of Fresno
$356,400
9808 Pocohontas, Bakersfield, CA
Balfanz 2362 Plan. Spanish Elevation. This home has 4 bedroom, 2.5 bath, 2 Car Garage, Laundry room sink,Built in wall oven and stove top with beautiful Quartz counter to...
- Beds4
- Baths2.5
- Courtesy ofJohn Balfanz Homes, Inc.
$279,900
3602 Rio Lobo, Bakersfield, CA
Beautiful Southwest Froehlich Home located in a calm and quiet neighborhood. Features 4bd, 2bth still like new with nice appearance and curb appeal. Nice exterior color c...
- Beds4
- Baths2
- Courtesy ofAlliance Real Estate and Multi Services
$1,590,000
15225 Thunder Valley, Bakersfield, CA
Resort Style Living in Talladega. Luxury custom built home on .75 acres with $80,000 worth of stamped concrete. Fall in love with this 6 bedroom, 7 bath, RV barn or 6-8 c...
- Beds6
- Baths7
- Courtesy ofThe Busby Team Miramar International - Mill Rock
$299,900
4308 Bright Shadow, Bakersfield, CA
North East beauty, located in Mountain Meadows a well established neighborhood that shows true pride of ownership, walking distance from the Mesa Marin Sport Complex and ...
- Beds4
- Baths3.5
- Courtesy ofA & A Realty
$639,000
12806 Margate, Bakersfield, CA
This is a one of a kind Dave Packer built home located in Seven Oaks Grand Island. This incredible masterpiece abounds with style and elegance. OWNED SOLAR!!It has a larg...
- Beds4
- Baths3
- Courtesy ofMiramar International - Mill Rock
Provided Courtesy Of Bakersfield Association of Realtors.
Information Is Believed To Be Accurate But Not Guaranteed.
Copyright 2019 Bakersfield Association of Realtors. All Rights Reserved.
Data last updated:
Free Daily Email Updates
- Automated home searches
- Favorite properties
- Email updates
- And much more…