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Houston Zero Down Mortgage

Zero Down, Limitless Possibilities

Shaking Hands
30 Days Average Closing Time
Shaking Hands
30 Days
Average Closing Time
At Forge Home Consulting, we believe that financial limitations shouldn't prevent you from achieving the dream of homeownership. We help aspiring buyers with credit scores of 580 and higher navigate the path to financial freedom by offering innovative solutions, such as obtaining a Houston Zero Down Mortgage using down payment assistance programs.
At Forge Home Consulting, we believe that financial limitations shouldn't prevent you from achieving the dream of homeownership.
We help aspiring buyers with credit scores of 580 and higher navigate the path to financial freedom by offering innovative solutions, such as obtaining a Houston Zero Down Mortgage using down payment assistance programs.

Ready To Become A Homeowner?

See If You Qualify Today

Minimum 580 Credit Score. No Income Limit

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Please let us know your Monthly Household Income
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Please let us know the price range you are looking to spend on a home.
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Homeowners We’ve Helped

We take pride in guiding our clients towards their goals of homeownership and financial freedom. Hear directly from them how we helped them achieve their dreams!
Lucky ST

Franz was very knowledgeable not only about real estate but also about the specific type of home I was looking for. He was incredibly helpful throughout the entire home search process, but most importantly, he was always available and attentive to all my questions. Excellent service!

Eddie Saa

Franz was very knowledgeable about the different areas of Houston and the best homes. He quickly helped me find the exact type of home I was looking for. In less than seven days, I was able to work with Franz and make an offer on a home. Most importantly, he was always willing to make time to answer my questions and address any concerns. Excellent service!

Aves ST

Our realtor, Franz, was ambitious and eager to provide excellent service. He made our experience of buying our first home a lot less stressful. His ability to ensure a smooth transition made a world of difference. We truly appreciate his guidance and would highly recommend him and his team to any first-time homebuyers.

Tyler Brooking

Franz is an easygoing and understanding professional. He helped my family purchase our first home and was there for us every step of the way. He regularly checked in to see if there was anything we needed, ensuring a smooth and supportive experience. I highly recommend Franz and look forward to working with him again in the future.

Elkhart ST

Franz was extremely knowledgeable and incredibly helpful throughout the process. As a first-time homebuyer, I wasn’t fully aware of how much I would need for a down payment. However, with Franz's expertise, I was able to connect with a great lender, find a reputable builder for a new home, and achieve my exact target for both my down payment and monthly payments.

April Zipperer

If you think you can’t buy a home, I highly recommend reaching out to Franz to explore your options and create a game plan. He is excellent at qualifying buyers for DPA programs and finding homes where sellers can meet your needs. He is knowledgeable, communicative, and always available to assist. Thank you, Franz, for helping us get into our first home!

Fairview Ave

Franz is an absolute superstar! He takes the time to educate and provides plenty of space for me to make the best decision for my personal situation. He was always readily available to answer any questions and patiently guided me through every step of the process with professionalism and care.

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    Get A House with Zero Down

    Minimum 580 Credit Score

    No Income Limit

    Read our FAQs
    Zero down Mortgage calculator

    How the Zero Down Process Works

    Getting a Houston Zero Down Mortgage using down payment assistance programs makes buying a home
    more affordable and accessible. Here’s how it works:

    Getting a Houston Zero Down Mortgage using down payment assistance programs makes buying a home more affordable and accessible.

    Here’s how it works:

    Initial Assessment
    We begin by assessing your financial situation, checking qualifications such as a minimum credit score of 580, work history, and income consistency.
    Prequalification & Approval
    We evaluate your debt-to-income ratio (DTI) to determine how much home you can afford. Unlike traditional programs, Zero Down has no income restrictions but relies on financial stability and requires applicants to have a minimum credit score of 580.
    Home Search & Realtor Matching

    We connect you with a trusted Houston Realtor who helps you find the right property. We ensure the realtor understands your financial plan to guide you toward a smart purchase.

    Contract & Closing

    Once you've selected a home, your realtor helps negotiate the deal, and we work with lenders to finalize the mortgage. Forge Home Consulting also automatically saves you 5% by covering 3.5% for the down payment and 1.5% for closing costs.

    (281) 645-5040 Call Us Today
    Schedule an Appointment

    Houston Down Payment Assistance Programs

    These programs preserve savings, build equity faster, and secure a stronger financial future, whether buying your first or next home.

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    TDHCA Programs

    Texas Department of Housing and Community Affairs

    Helps eligible Texans access affordable housing with various loan and grant options for down payments and closing costs.

    My First Texas Home

    Offers first-time buyers and veterans 0% interest on down payment assistance and flexible mortgage terms.

    My Choice Texas Home

    Provides up to 5% in down payment and closing cost assistance for all buyers, not limited to first-timers.

    TSAHC Programs

    Texas State Affordable Housing Corporation. Offers down payment assistance and mortgage credit certificates, especially for low- to moderate-income Texans.

    Home Sweet Texas Home Loan Program

    Provides down payment assistance for low- to moderate-income homebuyers with flexible credit requirements.

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    Apply Now
    Calculate Your Zero Down Mortgage
    SETH Logo

    SETH Programs

    Southeast Texas Housing

    Assists homebuyers with financial aid and housing education to help them afford their new homes.

    5 Star Texas Advantage Program

    Provides grants for down payment and closing costs with no repayment required to buyers who meet income and property eligibility criteria.

    Chenoa Fund™

    A nationwide program offering down payment assistance for low- to moderate-income homebuyers.

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    Apply Now
    Calculate Your Zero Down Mortgage

    The Forge Commitment

    At Forge Home Consulting, we are committed to empowering aspiring homeowners with honesty, integrity, and education. Our mission is to help you build generational wealth through real estate while honoring your unique journey.

    The Power of Homeownership
    & Generational Wealth

    Homeownership isn’t just about having a place to live—it’s about creating financial security for you and your family. Unlike renting, which builds no financial equity, owning a home allows you to build wealth over time. By making mortgage payments, you increase your home equity while benefiting from potential property appreciation.

    A Houston Zero Down Mortgage using down payment assistance programs ensures buyers can enter the market without exhausting their savings, making it easier to maintain emergency funds and pursue future investment opportunities.

    For more information, you can view our Zero Down FAQs page. To learn more about how much money you can save from your Zero Down mortgage, check out our Zero Down Mortgage Calculator.

    Homeownership is more than a place to live—it’s a path to financial security. Unlike renting, owning a home builds equity and wealth over time. With the Houston Zero Down Mortgage program, buyers can enter the market without draining their savings, keeping funds available for emergencies and future investments.

    For more information, you can view our Zero Down FAQs page. To learn more about how much money you can save from your Zero Down mortgage, check out our Zero Down Mortgage Calculator.

    Zero Down FAQs
    Mortgage Calculator

    Consult With Us To Forge a Brighter Future

    At Forge Home Consulting, we do more than just help people buy homes—we guide them toward financial freedom. Our approach focuses on:
    • Helping You Find Your Home – We help clients uncover their reasons for buying a home and set them on a path toward long-term success.
    • Educating You on Your Future – We provide the knowledge and tools needed to use real estate as a stepping stone to generational wealth.
    • Building Wealth Beyond Boundaries – We remove traditional financial barriers through innovative and accessible home-buying solutions.
    • Take the next step toward homeownership today. Contact Forge Home Consulting and let us help you secure a home with a Houston Zero Down Mortgage using downpayment assistance programs!

    Reach out to us today to find the best program for you!

    Schedule an Appointment

    Where We Help People Forge Their Homes

    We at Forge Home Consulting are primarily based in Houston, though we’ve branched out to as much as the surrounding areas and other parts of Texas to help aspiring homeowners achieve their goals of owning a home.