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
$410,450
1118 Warwickshire, 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
$422,900
1112 Warwickshire, 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
$424,400
1101 Droitwich Spa, 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
$409,450
1112 Droitwich Spa, 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
$699,000
14707 Via Messina, Bakersfield, CA
Ready for some golf? Come see this Rio Bravo Country Club beauty! This exquisite home boasts 5 bedrooms, 4.5 baths, 3 car garage, office, formal living room, formal dinin...
- Beds5
- Baths4.5
- Courtesy ofBetter Homes Realty
$425,000
6423 Pennsylvania, Bakersfield, CA
Excellent southwest location! This 2 story charming home features 4 Bedrooms,3 full Baths,2 car garage parking. Beautiful Kitchen with black appliances. Close to shopping...
- Beds4
- Baths3
- Courtesy ofIn-House Realty
$600,000
9502 Kanosh Cobble, Bakersfield, CA
The best find in the Cobblestone Community. Looking for a spacious and a beautiful home? Here it comes! This well maintained home has a lot of curb appeal. very clean, ...
- Beds5
- Baths3
- Courtesy ofWatson Realty
$649,900
5117 Cool Rush, Bakersfield, CA
Welcome to this luxurious five bedrooms, 3300+ square foot home, where modern elegance meets everyday comfort. Step into the formal area, perfect for hosting guests or en...
- Beds6
- Baths5
- Courtesy ofWatson Realty
$438,060
301 Welch, Bakersfield, CA
Welcome to your dream home! This stunning 4 bedroom, 2 bath newly built home is the perfect blend of modern design and functionality. With wood plank flooring, granite ki...
- Beds4
- Baths2
- Courtesy ofAgentcor-Big Block Realty
$531,900
7906 Cherimoya, 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...
- Beds4
- Baths2.5
- Courtesy ofLGI Realty - California, Inc.
$513,900
7801 Honeydew, Bakersfield, CA
Gorgeous natural light flows into this home, creating an airy and open environment. A breathtaking kitchen boasts gorgeous granite countertops, spacious island, wood cabi...
- Beds4
- Baths2.5
- Courtesy ofLGI Realty - California, Inc.
$510,900
7830 Cherimoya, Bakersfield, CA
Gorgeous natural light flows into this home, creating an airy and open environment. A breathtaking kitchen boasts gorgeous granite countertops, spacious island, wood cabi...
- Beds4
- Baths2.5
- Courtesy ofLGI Realty - California, Inc.
$486,900
8012 Cherimoya, Bakersfield, CA
This gorgeous home is loaded with stunning upgrades. A breathtaking kitchen features a large island, stunning granite countertops, tons of storage space and recessed ligh...
- Beds4
- Baths2
- Courtesy ofLGI Realty - California, Inc.
$483,900
7924 Cherimoya, Bakersfield, CA
This gorgeous home is loaded with stunning upgrades. A breathtaking kitchen features a large island, stunning granite countertops, tons of storage space and recessed ligh...
- Beds4
- Baths2
- Courtesy ofLGI Realty - California, Inc.
$1,295,950
16602 Northfield, Bakersfield, CA
Experience Luxury Living in this stunning Richard Pratt Home in the prestigious Manorwood Estate gated community. Built in 2017, 4-bedroom, 2.5-bath,approx 3,065 sq. ft, ...
- Beds4
- Baths2.5
- Courtesy ofAgentcor-Big Block Realty
$592,070
7519 Crown Heights, Bakersfield, CA
Introducing he Brand New MiramarePLUS!! This is a fantastic opportunity to own a newly designed plan featuring 4 spacious bedrooms, 3.5 baths and 2 living spaces that inc...
- Beds4
- Baths3.5
- Courtesy ofMy Realty
$599,999
6100 Orchid Field, Bakersfield, CA
Discover the epitome of modern living in this remodeled 4-bedroom, 2.5-bathroom home nestled at the end of a quiet cul-de-sac. This property comes with an OWNED solar sys...
- Beds4
- Baths2.5
- Courtesy ofBrian Hicks Real Estate Group
$539,900
5505 Tapia, Bakersfield, CA
A luxurious lifestyle in this split wing 5 bedroom, 3 bath home on a quiet cul-de-sac in City in the Hills. Impressive staircase entry with cathedral ceiling. 2 living ar...
- Beds5
- Baths3
- Courtesy ofIn-House Realty
$729,999
8901 De Palma, Bakersfield, CA
Welcome to your Dream Home @ Monticello neighborhood in Northwest Bakersfield CA! This two-story lovely home features a PAID solar system, formal dinning area, breakfast ...
- Beds4
- Baths3
- Courtesy ofGolden Valley Real Estate Group
$620,000
14730 Citrus Tree, Bakersfield, CA
Beautiful home in Tuscany. 4 Bedrooms, 2-1/2 Baths, open kitchen/nook/living room and formal dining room. Split wing design. Carpeting in bedrooms, tile in kitchen, dinin...
- Beds4
- Baths2.5
- Courtesy ofHomecoin.com
$539,900
9902 Snowdon, Bakersfield, CA
What more could you need then this 5 bedroom 3 bathroom Burlington Home. Move into one of Southwest Bakersfield's Premier neighborhood. This home is 4 years old but since...
- Beds4
- Baths3
- Courtesy ofPremier Home Advisors Inc.
$524,000
11923 Blanket Flower, Bakersfield, CA
Discover your dream home in this exquisite 5-bed, 3-bath property, spanning nearly 3000 sq ft with a 3-car tandem garage and EV charging. Situated on a solar-enhanced lot...
- Beds5
- Baths3
- Courtesy ofAgentcor-Big Block Realty
$685,000
14733 Blue Stream, Bakersfield, CA
Luxury in Tuscany! Boasting 5 bdrms, 3 baths, spacious great room, this property provides space for large families and entertaining. The upstairs suite/loft, complete wit...
- Beds5
- Baths3
- Courtesy ofMiramar International-Riverwalk
$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
$455,000
11011 Sonoma Creek, Bakersfield, CA
Welcome to your new home in Bakersfield! This 2-story gem boasts 4 beds, 2.5 baths, and an open concept kitchen/living area perfect for gatherings. Nestled in a quiet cul...
- Beds4
- Baths2.5
- Courtesy ofCentury 21 Jordan-Link
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