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
$789,575
3309 Jardineire, Bakersfield, CA
Belcourt Seven Oaks has a Modern Plan 2737 under construction and waiting for a buyer to add their personal touch. With 4 bedroom, 3.5 baths and formal dining room, this ...
- Beds4
- Baths3.5
- Courtesy ofWoodbridge Pacific Group
$843,125
3316 Jardineire, Bakersfield, CA
Under construction in Belcourt Westhaven Seven Oaks is this 2862 American Traditional home. With the ability at this current stage of construction to customize this home...
- Beds4
- Baths3.5
- Courtesy ofWoodbridge Pacific Group
$513,900
7615 Gooseberry, Bakersfield, CA
A formal living room provides an ideal entertainment area for special events. The incredible kitchen is loaded with upgrades such as granite countertops, wood cabinetry w...
- Beds5
- Baths3
- Courtesy ofLGI Realty - California, Inc.
$519,999
15810 Cole Brook, Bakersfield, CA
Woodside Home, Graham Grove community in Stockdale Ranch, is now available for you to call home. This home features 4 bedroom 3 bathroom, a primary suite, junior suite an...
- Beds4
- Baths3
- Courtesy ofMiramar International Calloway
$699,999
6102 Gallitan, Bakersfield, CA
Welcome to this stunning 4-bedroom plus office, 2.5-bath, 3006 sqft home on a 10,454 sqft corner lot in Northwood Ranch's gated community, The Estates at Northwood Ranch....
- Beds4
- Baths2.5
- Courtesy ofAgentcor-Big Block Realty
$485,000
10505 Pointe Royal, Bakersfield, CA
Absolutely stunning 5 bedroom, 3 bathroom in one of Bakersfield's most sought after neighborhoods, Cantabria at Coronado Point. You are welcomed through the front door of...
- Beds5
- Baths3
- Courtesy ofMcMahon Real Estate
$559,000
7931 Papaya Grove, Bakersfield, CA
Lennar New Construction - Choral Series| Fox Meadow in Bakersfield, CA. The Great Room, kitchen and dining room are situated among a convenient and contemporary open floo...
- Beds5
- Baths3
- Courtesy ofMiramar International-Riverwalk
$875,000
3309 Daybreak, Bakersfield, CA
Stunning, nearly new construction property (built in 2022) in the beautiful Westhaven neighborhood of Belcourt at Seven Oaks. A Mohogany Series Plan 3, this floor plan ha...
- Beds4
- Baths3.5
- Courtesy ofWatson Realty
$582,500
11026 Everclear, Bakersfield, CA
New Home,July Completion... Wonderful opportunity to enjoy this Froehlich Signature Home Located in The Enclave @ BV an affordable luxury community in Southwest Bakersfie...
- Beds4
- Baths2.75
- Courtesy ofMy Realty
$459,900
9110 Staten Island, Bakersfield, CA
Are you ready for an amazing family home? Popular 2 story floor plan in the Tradewinds community is ready for it's new owners. You will love the expansive space in this h...
- Beds4
- Baths3
- Courtesy ofKeller Williams Realty
$428,900
10318 Lerwick, Bakersfield, CA
Welcome to your dream home! This impeccably maintained gem shows pride of ownership. The open floor plan is flooded with natural light, creating a warm and inviting atmos...
- Beds4
- Baths2
- Courtesy ofThe Mora Partners Inc.
$475,990
6006 Potosi, Bakersfield, CA
Fall in love with the beautiful Marigold home plan, nestled in the Rosemary Lantana community with full resort style pool, tennis court, beautiful entry way, access to Ci...
- Beds5
- Baths3.5
- Courtesy ofK. Hovnanian California Operations Inc.
$467,990
10616 Patagonia, Bakersfield, CA
Fall in love with the beautiful and a new Verbena model, single story home. The Verbena floor plan, nestled in the Rosemary Lantana community with full resort style pool,...
- Beds4
- Baths2
- Courtesy ofK. Hovnanian California Operations Inc.
$529,900
6007 Cook, Bakersfield, CA
Come out and take a look at this Burlington Homes Plan 4 (2403 sq ft) which features 4 bedrooms and 3 baths, and a large lot 8,100 sq ft on a cul de sac street . This ama...
- Beds4
- Baths3
- Courtesy ofPremier Home Advisors Inc.
$649,900
1704 Apsley, Bakersfield, CA
Introducing 1704 Aplsey Ct, an exquisite residence nestled within the prestigious Highgate Seven Oaks community in Bakersfield, CA. This stunning property offers plenty o...
- Beds5
- Baths4
- Courtesy ofMiramar International-Riverwalk
$499,500
8912 Rockaway Beach, Bakersfield, CA
Welcome to your spacious haven in the coveted Tradewinds community! This stunning residence has undergone recent renovations, including upgraded bathrooms on both levels,...
- Beds4
- Baths3
- Courtesy ofMiramar International-Riverwalk
$496,490
7931 Savannah Height Unit 603S, Bakersfield, CA
This two-story, open-style home is enhanced with 9' ceilings and features four bedrooms, two full bathrooms, a powder room, study and large upstairs loft area within appr...
- Beds4
- Baths2.5
- Courtesy ofD.R. Horton
$426,490
7109 Wind Cave Unit 601S, 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
7925 Savannah Height Unit 604S, 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
$667,500
11032 Everclear, Bakersfield, CA
Summer Move in...The Cambridge by Froehlich Signature Homes is outstanding. Enjoy a grand double door entry, two spacious living areas, 4 bedrooms with two separate suite...
- Beds4
- Baths3
- Courtesy ofMy Realty
$430,000
525 Candia, Bakersfield, CA
Welcome to your new home conveniently located minutes away from the 99 fwy.In the southwest offering plenty of space with an open layout inside you will find 5 bedrooms 2...
- Beds5
- Baths3
- Courtesy ofInfinity Real Estate Services
$795,000
6824 Canaletto, Bakersfield, CA
This exquisite five-bedroom, four- bathroom home in the prestigious gated community of Tuscany in northeast Bakersfield boasts breathtaking views. With a separate one-bed...
- Beds6
- Baths5
- Courtesy ofPrestige Properties Team Tipton - Miramar International-Riverwalk
$675,960
16707 Mairs, Bakersfield, CA
NEW John Balfanz Home in SYCAMORE will be ready in July! This is the popular Residence 4, approx 2,998 sq.ft. Coastal Contemporary elevation, island kitchen, beautiful sh...
- Beds4
- Baths2.75
- Courtesy ofGreg Balfanz, Broker
$627,760
16710 Mairs, Bakersfield, CA
NEW John Balfanz Home in SYCAMORE will be ready in July! This is the Residence 3, approx 2,659 sq.ft. Spanish elevation, island kitchen, beautiful shaker style cabinets, ...
- Beds4
- Baths2.75
- Courtesy ofGreg Balfanz, Broker
$535,550
16713 Mairs, Bakersfield, CA
NEW John Balfanz Home in SYCAMORE will be ready in July! This is the Residence 1, approx 2,038 sq.ft. Farmhouse elevation, island kitchen, beautiful shaker style upgraded...
- Beds4
- Baths2
- Courtesy ofGreg Balfanz, Broker
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