Negotiate a Lower Down Payment on Your House


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You’ve found the house of your dreams and qualified for financing, but there’s a problem — the down payment is just out of reach, and you don’t know what to do. Luckily, we have some tips to help you negotiate a lower payment so you can get into the new home you deserve. Learn more and, if you’re still in need of a little extra cash to make that purchase happen, fill out our easy online finance form and let Xpress Cash help you bridge the gap.

Tips on Negotiating a Lower Down Payment on Your House

There are several ways buyers can lower their down payment when they’re ready to buy a new house, even without perfect credit. According to Trulia, the best methods include:

  • Use Veterans Benefits: If you’ve served, you may qualify for a VA loan with an option to waive the down payment.
  • Explore Grants: Programs exist to help home buyers pay their down payment with a government grant that doesn’t need to be paid back.
  • Find USDA Property: USDA eligible properties may qualify for special no down payment financing designed to help buyers get in for less.
  • Apply for FHA: FHA loans only require a three-and-a-half percent down payment, saving buyers thousands on cash due at the time of signing.
  • Use Your Good Name: Many conventional mortgages only require buyers to come up with a five-percent down payment. If you have stellar credit, you might be able to leverage your good name into less money out of pocket.

How Can Xpress Cash Help?

If you’re in a bind and need quick cash to make that down payment, Xpress Cash can help. Our friendly credit specialists can help you review your budget, go over your financial needs, and find the right loan product to get you the money you need today. Just bring us your financial information, and we can do the rest.

Get the Financing You Need to Help Negotiate a Lower Down Payment on Your House with Xpress Cash

Negotiate a lower down payment on your house and get the cash you need with Xpress Cash today. Contact us at (877) 675-9300 or visit one of our branches in Arizona, Michigan, Utah, New Mexico, Idaho, or Wisconsin to get started.