Skip to main content

Please update your browser.

We don't support this browser version anymore. Using an updated version will help protect your accounts and provide a better experience.

Update your browser

Please update your browser.

We don't support this browser version anymore. Using an updated version will help protect your accounts and provide a better experience.

Update your browser

We’ve signed you out of your account.

You’ve successfully signed out

We’ve enhanced our platform for chase.com. For a better experience, download the Chase app for your iPhone or Android. Or, go to System Requirements from your laptop or desktop.

Low down payment home loans & affordable refinance options

Please turn on JavaScript in your browser

It appears your web browser is not using JavaScript. Without it, some pages won't work properly. Please adjust the settings in your browser to make sure JavaScript is turned on.

Putting homeownership within reach

Get closer with a $2,500 or $5,000 grant, plus a low down payment.

Start online

Homebuying benefits from Chase

$2,500 or $5,000 grant

In select areas across the country, our Chase Homebuyer Grant provides $2,500 or $5,000 that’s first applied to lower the interest rate, then applied to Chase fees or other fees; remaining funds can be applied toward the down payment on applicable loans. Use the homebuyer assistance finder below for more details.

$5,000 Chase Closing Guarantee

The Chase Closing Guarantee gives you peace of mind when you buy a new home — we promise an on-time closing or you’ll get $5,000, if you qualify.

Find savings now

Enter property and household information in the Homebuyer Assistance Finder below to see if there’s an exclusive Chase Homebuyer Grant or closing benefit available. Contact a Home Lending Advisor to learn more about the programs you matched with and get help starting your application.

Low down payment options to help
you buy a home

Mother and daughter walking out of the house

Chase DreaMaker℠ mortgage: 3% down payment

Our DreaMaker mortgage has a low down payment option, flexible credit guidelines and income limits.

Federal Housing Administration (FHA)^,: 3.5% down payment

An FHA loan has low down payment options, and with no income limits and flexible credit guidelines, it may be easier to qualify.

Standard Agency mortgage: 3% down payment ^,

A Standard Agency loan is a good option for people with higher credit scores and who may not need a low down payment.

Veterans Affairs (VA) loan: Down payment as low as 0%

A VA loan offers low or no down payment options and has no monthlymortgage insurance requirement.

Take the first step of preapproval

Ready to apply?

Start online

Come in

Find a Home Lending Advisor

Frequently asked questions

Yes, we offer DreaMaker, Federal Housing Administration (FHA) and Veterans Affairs (VA) loans that offer low down payment options with flexible credit score requirements. In addition, you may qualify for a $2,500 or $5,000 Chase Homebuyer Grant and/or $500 Homebuyer Education Benefit (DreaMaker only) that can be used to lower your closing costs and/or down payment (dependent on product requirements). Qualifying housing and down payment assistance programs may be available in your area.

We offer a $2,500 or $5,000 grant available on DreaMaker, Standard Agency, Federal Housing Administration (FHA) and Veterans Affairs (VA) products when purchasing a primary residence where the property is located in an eligible census tract. The grant can be used toward points, closing costs, and/or down payment (dependent on product requirements).

There's no set amount. Today, there are many loan products that can be tailored to fit your needs and financial resources. Keep in mind that for down payments of less than 20% on conventional loans, private mortgage insurance (PMI) will be required.

We offer competitive rates with lower monthly payment options on DreaMaker, Federal Housing Administration (FHA), Veteran Affairs (VA) and Standard Agency loans.

We'll require homebuyer education on DreaMaker mortgages for any borrower who's a first-time homebuyer.

Yes, there are community-specific programs that may help with your down payment and closing costs. Learn more online or

ask a Home Lending Advisor about your options.

Home Affordability Calculator^,

Estimate how much home you can afford with our affordability calculator. Simply enter your monthly income, expenses and expected interest rate to get your estimate. Adjust the loan terms to see your estimated home price, loan amount, down payment and monthly payment change as well. Once you find the price you can afford, contact a Home Lending Advisor or go to your local branch to get started.

Welcome to your homebuying learning center

Boost your “homebuyer know-how” as you listen, read and learn with these valuable tips for your homebuyer journey. We cover everything from finding the right home and the right loan, to comparing neighborhoods and getting help with down payments and other costs.

Beginner to Buyer:
A top-rated podcast

Beginner to Buyer

Listen in and get answers to your homebuying questions on our Beginner to Buyer podcast series hosted by Nadeska Alexis ranked one of the "10 Best Personal Finance Podcasts of 2022" by U.S News & World Report.

Listen nowto Beginner to buy

You bought a home.
Now what?

Beginner to Buyer Season 1

Bought your first home? Congratulations! Tune in to the final episode of Beginner to Buyer Season 1, to learn what happens financially — and emotionally — after your big purchase.

Listen now to Beginner to Buyer Season 1

Check out select
episodes in Spanish

Select episodes in Spanish

Build your homebuying confidence with the Beginner to Buyer podcast as host Nadeska Alexis sits down with experts to get their top tips for every stage of the journey.

Listen now to check out select episodes in Spanish

A beginner's guide to FHA loans

Guide to FHA loans

An FHA loan could make it easier to realize your dream of homeownership. Read our article to understand how they work and how to get one.

Read moreAbout guide to FHA loans

Ways to get assistance with your down payment

Assistance with your down payment

If you dream of owning a home but can’t afford the down payment, there are grants and loans that may help. Learn more about them here.

Read moreAbout down payment

How homeowners associations work

Homeowners associations work

Read our detailed guide on how homeowners associations work and the pros and cons of buying a house with an HOA.

Read moreAbout how homeowners associations work