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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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$325,000

Bakersfield, CA

Welcome to this beautifully built Lennar home in the Northwest neighborhood. Perfectly located in a nice cul de sac, this lovely home features 4 bedrooms, 2 bathrooms, a...

  • Beds4
  • Baths2
  • Courtesy ofColdwell Banker Preferred , REALTORS®. - Coffee Road office

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$1,210,000

2309 Brighton Park, Bakersfield, CA

Stunning Grand Island home located in the Double-Gated, Prestigious and Highly Exclusive Showcase neighborhood. Homes in this neighborhood rarely come available. East Fac...

  • Beds5
  • Baths4.5
  • Courtesy ofWatson Realty

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$416,900

10212 Garden View, Bakersfield, CA

The Sunflower plan is a spacious, two-story, five-bedroom home now available at Juliana's Garden. This 2,315 square foot home features an open layout, incredible upgrades...

  • Beds5
  • Baths3
  • Courtesy ofLGI Realty - California, LLC

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$495,000

12103 Quiet Creek, Bakersfield, CA

You'll love this spacious 5 BR, 3 BA farmhouse style home situated on a huge cul-de-sac lot at The Heights at River Run. Spacious yet energy-efficient interior highlight...

  • Beds5
  • Baths3
  • Courtesy ofRE/MAX Golden Empire

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$319,000

5601 Winter Barley, Bakersfield, CA

Wow 4 bedroom, 3 bath (rare find) in desirable Southwest. Recently added flooring.

  • Beds4
  • Baths3
  • Courtesy ofCentury 21 - Jordan Link

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$400,000

10707 Pleasant Valley, Bakersfield, CA

Beautiful 5 bedroom home in Hidden Oaks by Centex!! This home has room for all with 5 bedrooms plus an office/bonus room AND a loft!! Seller states PR is 2943 (buyer to ...

  • Beds5
  • Baths2.5
  • Courtesy ofeHomes of Bakersfield

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$518,000

5909 Inverwood, Bakersfield, CA

Welcome Home!!! This exquisite Northwood Ranch home has so much to offer! Beautifully landscaped front yard gives it a huge WOW factor. The home offers 4 bedrooms, 2.5 ba...

  • Beds4
  • Baths2.5
  • Courtesy ofMiramar International Calloway

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$589,000

6300 Cypress Ridge, Bakersfield, CA

Location! Location! Location! One of Jed Francis' master pieces! This semi-custom beautiful home showcases some distinctive features! Modernly designed with 5 bedroom's a...

  • Beds4
  • Baths3
  • Courtesy ofWatson Realty

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$415,000

3700 Grand Prix Pl, Bakersfield, CA

Come fall in love with this spacious home! Imagine preparing all your favorite dishes in this large and elegant kitchen, featuring granite counter tops, and updated floor...

  • Beds4
  • Baths2
  • Courtesy ofJason Gillies, Broker

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$725,000 ▼

14221 La Cascada, Bakersfield, CA

Stunning 4 bedroom, 3.5 bathroom property with a bonus room!! Tall ceilings, OWNED SOLAR, hardwood flooring running throughout, a beautiful 20' x 40' pool, and 600 sq f...

  • Beds4
  • Baths3.5
  • Courtesy ofMiramar International-Riverwalk

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$440,000

15801 Tallus Ranch, Bakersfield, CA

Take a look at this beautiful 4 bedroom 3.5 bath home located in North West Bakersfield. This beautiful home features formal living and dining rooms, separate family room...

  • Beds4
  • Baths3.5
  • Courtesy ofPremier Realty

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$395,000

4503 Anne Marie, Bakersfield, CA

Spacious southwest home nestled in a quiet cul-de-sac lot. This 4 bedroom, 3 bathroom home features a formal living & dining room, large family room, roomy and open kitch...

  • Beds4
  • Baths3
  • Courtesy ofTri-Unity Realty Inc

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$499,000

11001 Bardon Hill, Bakersfield, CA

Gorgeous Balfanz home in Brighton Estates. Split wing plan with 4 bedrooms, 2.5 baths, great room with fireplace, formal dining, breakfast area, indoor utility with sink....

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

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$327,700

5808 Tandil Unit lot54, Bakersfield, CA

Quick Move in Home.Introducing K. Hovnanian's Lantana. Our Lantana collection presents 3 stunning and affordable two & signal story homes in beautiful City in the Hills, ...

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

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$714,900 ▲

16612 Bellewood, Bakersfield, CA

Construction is under way for a March 2021 move in on this new 5 bedroom 3 1/2 bathroom custom home. See attached photos and virtual tour of a previous version of this p...

  • Beds5
  • Baths3.5
  • Courtesy ofMiramar International Calloway

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$409,900 ▼

15725 Saint Clement, Bakersfield, CA

Take a look at this amazing 4 bed 3 bath home in the gated community of Saddleback at Tallas Ranch. You will love the large entry way, open floor plan and large kitchen w...

  • Beds4
  • Baths3
  • Courtesy ofKeller Williams Realty

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$308,900

1018 James Valley Ct., Bakersfield, CA

The Melia plan is 1758 sq.ft and has a large open living room with lots of light. This 5 Bedroom and 2 bathroom home comes standard with a 3-car garage. You can customize...

  • Beds5
  • Baths2
  • Courtesy ofWilkerson Realty

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$301,900

1010 James Valley Ct., Bakersfield, CA

!!!New Construction!!! Lot 21 Dahlia Floor plan, Mediterranean elevation. The Dahlia features 4 bedrooms and two baths. This split-wing design offers large living spaces ...

  • Beds4
  • Baths2
  • Courtesy ofWilkerson Realty

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$414,900 ▲

10300 Monarch, Bakersfield, CA

The Sunflower plan is a spacious, two-story, five-bedroom home now available at Juliana's Garden. This 2,315 square foot home features an open layout, incredible upgrades...

  • Beds5
  • Baths3
  • Courtesy ofLGI Realty - California, LLC

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$404,900

10612 Boboli, Bakersfield, CA

New Jeremy Willer Construction located in Juliana's Garden. Community amenities include private gate, private park, garden with water fountains, and walking distance to C...

  • Beds4
  • Baths2.5
  • Courtesy ofMiramar International-Riverwalk

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$293,900

1118 Aegean, Bakersfield, CA

Nice 4 bedroom 2 bath home built in 2013. Split wing open floor plan. Covered Patio. Quite location on a cul-de-sac. This home has RV Parking

  • Beds4
  • Baths2
  • Courtesy ofCentury 21 - Jordan Link

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$360,000

2313 Ming, Bakersfield, CA

Come Check Out This Big Home For A Big Family. The Main Part Of The Home Features 5 Bedrooms With 2 Bathrooms, While The Backside Of the Home Features 1 Huge Bedroom Wit...

  • Beds6
  • Baths3
  • Courtesy ofBerkshire Hathaway Homeservices, Crest

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$575,000

15722 San Marco, Bakersfield, CA

This is a model home in a gated area, this house has tons of upgrades so you can not compare it to any house around, surround sound system, travertine and rocks tile, bui...

  • Beds5
  • Baths3
  • Courtesy ofListed Simply

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$320,000

5417 Cicada, Bakersfield, CA

New Jeremy Willer Construction located in Juliana's Garden. Community amenities include private gate, private park, garden with water fountains, and walking distance to C...

  • Beds4
  • Baths2
  • Courtesy ofMiramar International-Riverwalk

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$329,000

5413 Cicada, Bakersfield, CA

New Jeremy Willer Construction located in Juliana's Garden. Community amenities include private gate, private park, garden with water fountains, and walking distance to C...

  • Beds4
  • Baths2
  • Courtesy ofMiramar International-Riverwalk

Provided Courtesy Of Bakersfield Association of Realtors.
Information Is Believed To Be Accurate But Not Guaranteed.
Copyright 2021 Bakersfield Association of Realtors. All Rights Reserved.
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Presented by Robert and Dawn Morris
Watson Realty ERA
9101 Camino Media Bakersfield, CA 93311
(661) 243-7282   -or-   (661) 204-3678
California Real Estate license numbers 01438493 and 01440437
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