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  • Homebuyers Guide
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    • Corporate Office

      910 East 6600 South
      Salt Lake City, UT 84121

      888-643-2133

      NMLS #190465

    • Loan Servicing Office

      5600 Wyoming Boulevard NE, Suite 20
      Albuquerque, NM 87109

      800-658-9371

      NMLS #1199978

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No money down options

How much money do you need to put down when buying a home? A lot of people think you need 10% to 20% of the homes purchase price. That’s a lot of cash. Intercap Lending offers a variety of little to no-down payment options. Talk to your Intercap loan officer and invest in your future.

Find out how little you need to put down on a home.

USDA, FHA, VA, and State Housing loans are just a few of the little and no-down payment options available to homebuyers. We can help you find the right loan even if you have very little to put down.

START YOUR APPLICATION FIND OUT IF YOU QUALIFY FOR NO MONEY DOWN

Zero Down Home Loans

Does little or no down payment mean a higher interest rate? We offer specialty loan programs like FHA, USDA, and State Housing loans that are insured by the US government. This insurance helps keep the interest rate down so first-time and lower income buyers can afford to buy with a great interest rate and a manageable monthly payment. Contact one of our loan officers to explore your low and no-down payment options. You may be surprised how affordable home ownership is for you.

I saw this advertising that they could get me in with no money down on a new home! I was like right sure but very skeptical. Never have I had such a great loan officer who bent over backwards and jump through hoops to get me into a condo. And my real estate agent was amazing how we had so much fun looking at condo after condo! It took me 29 years and 4 tries to get where I am at! Thank you Intercap for all your hard work to get me into a new home!!! Gotta say I love you guys!!!!

Reviewed by Anna Adams – See More Reviews

More Homebuyer Tips

John Naccarato Construction Loans

May 26, 2026
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What does home mean to you?

November 12, 2025
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Getting Your Home Summer Ready

June 20, 2024
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A Spike In Refinances, Is Now The Right Time For You?

June 20, 2024
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How Election Years Can Effect The Housing Market

June 20, 2024
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Temporary Rate Buydowns

May 17, 2024
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OpusClip, an AI-driven video editor helps real estate agents create dynamic videos for social media.

May 17, 2024
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Intercap Lending Expands Offerings with Construction Loans

May 13, 2024
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Inflation Still Hot. Will Rates Drop this Year?

April 10, 2024
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We may share customer information with our trusted business partners to assist you with your loan or other mortgage needs. Customers with questions regarding our loan officers and their licensing may visit the Nationwide Mortgage Licensing System & Directory (NMLS) for more information. https://nmlsconsumeraccess.org/

Agency Approvals: FNMA – #171430002 / FHLMC – #124731 / FHA – #3213309992 / GNMA #2454 / VA 955023-00-00

© 2024 All rights reserved. Intercap Lending Inc.
910 East 6600 South, Salt Lake City, UT 84121 | NMLS# 190465
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Buy Down Calculator
This calculator is being provided for educational purposes only. The results are estimates that are based on information you provide and may not reflect available product terms from Intercap Lending Inc. Actual available rates and monthly payment amounts are subject to market fluctuations and will depend on a number of factors, including geography and loan characteristics. The information provided cannot be used to determine eligibility for a specific product or service and is not a commitment to lend.
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