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Buy a home with 0 down

Hack homebuying with no money down.

  • Up to 100% financing — save up front
  • Competitive fixed and adustable rates
  • Loan options to fit your needs

Become a homeowner

Here's what you'll need

  A Forbes Best-in-State Credit Union in Washington 4 years running

  A Forbes Best-in-State Credit Union in Washington 4 years running

No down payment? No problem.

A Zero Down Mortgage is ideal for those who don’t have the whole down payment saved, or those who want to keep money on hand for home improvements. At WSECU you’ll be guided every step of the way by a seasoned home loan expert.

  • Quick prequalification
  • Step-by-step guidance
  • For residences in WA, OR and ID

Become a homeownerSchedule an appointment

Mortgage payment calculator

How much will my monthly payment be?

Enter in the purchase price of the home and let us calculate your monthly payment.

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What is the purchase price of the home?

This is the sale price of the home you are buying.

$
Enter in a dollar amount between $10,000 and $9,000,000. Want to borrow more or less than this? Give us a call and see if we can help.
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How much do you plan to put down?

If you put down at least 20%, you won't have to pay Private Mortgage Insurance (PMI).

or
Enter in a dollar amount lower than the purchase price or leave this $0.
Enter a percentage or leave this 0.
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Mortgage Information

The purchase price of the home you are interested in.
Enter in a dollar amount between $10,000 and $9,000,000. Want to borrow more or less than this? Give us a call and see if we can help.
Down Payment The cash put toward the purchase of a home to make up the difference between the purchase price and the mortgage loan - usually a percent of the purchase price, i.e. '5% down'
or
Enter in a dollar amount lower than the purchase price or leave this $0.
Enter a percentage or leave this 0.
The amount you'll pay each year to borrow the money, expressed as a percentage.
Enter in a number between 1 and 10.
The duration of time it takes to pay off the loan.
Taxes paid based on the value of the property.
Enter in a dollar amount.
A form of property insurance that covers losses and damages to an individual's house and to assets in the home.
Enter in a dollar amount.
Private Mortgage Insurance protects the lender in the event the borrower defaults on a loan with a downpayment of less than 20% and is included in the monthly payment.
Fees paid to an organization of homeowners of a particular subdivision, condominium, or planned unit development.
Enter in a dollar amount.

Monthly Payment Breakdown

Become a homeowner

When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to the loan type or amount for which you may qualify. Actual PMI will vary based on individual criteria. Estimated property tax rate is 1.10%, actual property tax rate will be based the county in which the property is located. 

FAQ

We offer fixed or adjustable rate loan options with Private Mortgage Insurance (PMI), up to 100% loan to value (LTV).

We fund homes priced up to $548,250 in most counties and up to $776,250 in King, Pierce and Snohomish Counties.

No.

Single Family Residences, Warrantable Condominiums. All properties must be a primary residence.

Here for your home buying journey

Let's talk about whether a Zero Down Mortgage may be a good option to remove one of the most common barriers to buying a home in the PNW.

Schedule an appointment

Why WSECU?

WSECU membership has its perks. Enjoy favorable rates on everything from credit cards to savings accounts. Insured deposits. A great mobile app. Access to your money from ATMs anywhere in the world. Unparalleled member service. It's no wonder Forbes ranked WSECU a Best-in-State Credit Union in Washington 4 years running. And since you'll be part of a member-owned cooperative that gives 4% of its net income back to your local community, you'll see the good happening all around you. Every day.

Forbes 2023 Best-in-State Credit Unions

Your perspective is important to us and helps us see where we’re hitting the mark and where there might be areas to improve.

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