Buy a home with no down payment

Learn More About HomeNow Zero Down Payment Program

If you'd like to hear from a HomeNow expert at Montana CDC, or get a referral to a HomeNow-Approved Loan Officer who can get you started on your homebuying journey, complete and submit the form below.
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Learn More About HomeNow

If you’re ready to buy a home, but can’t afford the down payment, we can help. HomeNow is a new program designed for individuals who have steady jobs and qualify for a mortgage, but are unable to save up for a down payment. With HomeNow, you can start building long-term equity and a stable future through home ownership.

How It Works


  • HomeNow covers up to 100% of down payment and/or closing costs.
  • You do not have to apply separately for the HomeNow program—your lender will coordinate this.
  • Unlike other down payment assistance programs, HomeNow is not a second mortgage, and is not limited to first-time homebuyers.

Next Steps


  • Contact a participating lender in your area and ask them about your options.
  • Participating lenders can be found at the top of the page in the dropdown menu, or pdfs below.
  • A participating lender will help determine which type of mortgage is best for you, and explain how HomeNow works.
  • If you are using a lender that is not familiar with the program or is not approved, please have them contact Libby Addington at 406-532-5716 or libby@mtcdc.org.

Things To Consider


  • You must plan to live in the home you’re purchasing.
  • You must be able to afford the mortgage.
  • You must work with a HomeNow participating lender

Participating Lenders in Montana cities

Great Falls

Check dropdown list at top of page for local participating lenders in other areas.


For Lenders

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