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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 adjustable rates
  • Loan options to fit your needs

Become a homeowner

Here's what you'll need

Here's what you'll need

Mortgage, Home Equity and Equity Line of Credit

  • SSN or ITIN
  • Date of birth
  • Address
  • Employment information and income
  • Approximate total debt

Here are some of the things we may ask for later in the process:

  • Paystubs for the last 30 days
  • 2 most recent W-2s
  • 2 most recent tax returns
  • 2 most recent bank statements
  • Homeowners insurance declarations page

For a detailed list of documentation, see our Mortgage Application Document Checklist.

Buy a home with 0 down

Hack homebuying with no money down.

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

Become a homeowner

Here's what you'll need

  Washington’s only Forbes Best-In-State Credit Union five years in a row!

  Washington’s only Forbes Best-In-State Credit Union five years in a row!

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 Information

The purchase price of the home you are interested in.
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
The amount you'll pay each year to borrow the money, expressed as a percentage.
The duration of time it takes to pay off the loan.
Taxes paid based on the value of the property.
A form of property insurance that covers losses and damages to an individual's house and to assets in the home.
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.

Monthly Payment Breakdown

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Learn more

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. 

Jeff Amira headshot

Jeff Amira

Apply with Jeff

Branches served:

Seattle Fairview, Bellevue and Dash Point

Mary Evans headshot

Mary Evans

Apply with Mary

Branches served:

Seattle U-District and Puyallup

Miguel Flores headshot

Miguel Flores

Apply with William

Branches served:

Yakima, Union Gap and Ellensburg

William Griffin headshot

William Griffin

Apply with William

Branches served:

Martin Way, Olympia, Lakewood and Tacoma (James Center)

Summer Johnson headshot

Summer Johnson

Apply with Summer

Branches served:

Everett

Alan Pust headshot

Alan Pust

Apply with Alan

Branches served:

West Olympia

Cindy Schaumburg headshot

Cindy Schaumburg

Apply with Cindy

Branches served:

Lacey Credit Union Center, Hawks Prairie, Tumwater Town Center, Tumwater Trosper and Chehalis

Milo Young headshot

Milo Young

Apply with Milo

Branches served:

Medical Lake, Spokane, Spokane Division, Spokane Valley, Pullman Bishop and Pullman CUB

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?

Being a member of Washington’s only Forbes Best-In-State Credit Union five years in a row 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. 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 2025 Best-In-State Credit Unions - 5 Years Running

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