Arizona MLS Real Estate Search

How to Buy a Home With Zero Cash in Arizona

No Downpayment Needed

 If you are looking to purchase a home but find that you either do not have enough saved for a downpayment or that you do not want to liquidate financial assets to use as a downpayment, this report reveals how you can purchase a home with no money down. This special insider, industry report has been prepared to outline what you need to know in order to take advantage of this innovative program which allows you to get into the housing market immediately with zero downpayment.

Now you can realize the dream of owning your own home with zero downpayment.

The Zero Cash Downpayment Program offers you a way to buy a home with no downpayment. That's right - ZERO DOWNPAYMENT! You may have owned a home before and are presently renting, or are a first time homebuyer and need a way to break into the housing market, but held back because you thought you required a substantial downpayment. Or you may be in the position where you do not want to liquidate your financial assets to use as a downpayment on a home. Regardless of your present situation, you want a way to get into or to re-enter the housing market without having to make a cash downpayment. The Zero Cash Downpayment Program may be just the answer you need. Here's what is required to qualify for the Zero Cash Downpayment Program.

Program Qualifications.

  1. An excellent credit history. - no recent history of bad debts                                                                                                                           - consistent and timely payment of current liabilities
  2. Limited liabilities. You will be required to disclose all current liabilities you have in order to determine how much more debt you can carry (ie. p resent car loan, c redit ca rds, etc.).
  3. At least 3 years of employment stabilit y. You will be required to show proof of employment for the past 3 years, ie. a letter of employment from your employer or financial statements for the past 3 years if self-employed.
  4. The financial ability to carry larger monthly payments. Without a downpayment you will be required to meet the obligation of larger mortgage payments. Your monthly payments could vary from a few to several hundred dollars more per month.

Under the Terms of the Program You Can Purchase Many Types of Properties.

They include:

  • Detached or semi-detached homes
  • Free hold townhomes
  • Condominium townhomes

It is important to note that not all properties qualify for the Zero Cash Downpayment Program. To ensure that you get an accurate picture of what properties may or may not be included in this program in your particular area, it is advisable to review the terms of the program with your Realtor.

Benefits of the Zero Cash Downpayment Program.

  1. No Downpayment. If you are renting, why pay your landlord's mortgage? Why not reap the benefit of building your own equity? Are you renting because you think you need a substantial downpayment to own your own home?                   The general perception of many would-be-homebuyers and even that of some Realtors is that a substantial downpayment is required in order to purchase a home. This is simply not true. Because of this perception many would-be-homebuyers feel they have to save for years before they have enough money for a downpayment, finally allowing them to enter the housing market. In the meantime they are lining someone else's pockets, while waiting a long time before they are able to start building up their own equit y. Well, with the Zero Cash Downpayment Program you don't need a downpayment to buy a home.
  2. Buy a Home Now! If needing a downpayment is keeping you from owning your own home, this new program offers you an immediate way to get into the housing market. With the Zero Cash Downpayment Program you don't have to wait to purchase a home.
  3. Approved Bank Program. It is important to know that the Zero Cash Downpayment Program is an approved bank program. Review this program with your lender or Realtor who has specialized knowledge in financing and can assist you with the Zero Cash Downpayment Program.
$1,550,000
5 Beds 4 Baths 7078829 MLS 3,508 SqFt.
Welcome to your true luxury paradise in the heart of Chandler. This exceptional single-story home sits on a rare, nearly half-acre corner lot with no neighbors behind, offering the ultimate in privacy, comfort, and convenience. The expansive open great room layout flows effortlessly, centered around a stunning chef's kitchen with a quartz island ideal for both intimate evenings and grand entertaining. Featuring 12' soaring ceilings, the custom ledgestone media wall with an electric fireplace creates a warm, inviting space for gathering. Upgraded porcelain tiles run throughout, while dual 10-foot multi slide glass doors seamlessly blend indoor and outdoor living. The dedicated laundry room features custom cabinetry, tile backsplashes, and ample space for an additional refrigerator. Step into your personal outdoor sanctuary featuring a sparkling pool with baja shelf, a 7-person heated bubble jacuzzi, and a covered gazebo with a gas fireplace. Complete with a gas BBQ grill, putting green, lush artificial turf, and meticulously landscaped grounds, this resort-style backyard is designed for low-maintenance year-round relaxation and recreation. The expansive side yards provide endless possibilities--perfect for a sports court, trailer parking, or extra vehicles. Nestled in a highly peaceful gated community, this home offers unmatched convenience with top-rated schools, parks, shopping centers, and walkable grocery stores just moments away. This is more than a home--it's a lifestyle. Request a private tour today!

3901 S Buckskin Way, Chandler

$1,099,999
6 Beds 3 Baths 7078791 MLS 3,889 SqFt.
Looking for a spacious Mesa home with 6 bedrooms, a pool and spa, mountain views, an oversized lot, and NO HOA? Welcome to 941 N Orchard in Thayer Estates. With 3,889 sq ft, a 3-car garage, a main-floor primary suite, office, bonus room, and nearly $400,000 in updates and upgrades, this well-maintained home offers the space and flexibility to grow into your next chapter. Inside, the two-story floor plan offers room for everyone while providing multiple spaces for work, relaxation, and everyday living. The main-floor primary suite offers convenient access and privacy, while the additional bedrooms provide plenty of room for guests, or flexible use. The office/flex room adds valuable versatility for working from home, hobbies, play space, or additional living needs. The heart of the home has been thoughtfully updated, including an extensively remodeled kitchen and fully remodeled primary bathroom. Throughout the home, you'll find new LVP flooring, new carpet, and updated interior and exterior paint, creating a refreshed and cohesive feel while maintaining the home's established character. The upgrades extend beyond the cosmetic finishes. Just under $400,000 in updates and improvements have been completed, including a water softener system, new roof (2025), water heater, and pool pump, along with the extensive kitchen and primary bathroom remodels. The home has been very well maintained, giving you the opportunity to enjoy the improvements without sacrificing the established functionality of the property. The outdoor space brings another dimension to this home. The oversized lot, private pool and spa, mature trees, and covered outdoor living areas create space for relaxing, gathering, and enjoying the Arizona lifestyle. Take in the mountain views from the property, or enjoy the additional outdoor space provided by the covered patio and balcony. Storage and functionality are also built in. The 3-car garage includes a dedicated tool room just off the garage, while the separate shed provides additional space for tools, equipment, hobbies, and household storage. For buyers searching for Mesa homes with no HOA, this property offers an appealing combination of substantial living space and outdoor amenities without the restrictions and fees of a homeowners association. The six-bedroom layout, office, oversized lot, pool and spa, and generous garage space provide the flexibility to accommodate a growing household, visiting guests, work-from-home needs, and the activities that come with a busy lifestyle.

941 N Orchard --, Mesa

$799,900
3 Beds 3 Baths 7078790 MLS 2,810 SqFt.
Some homes are special because of the way they're designed. Others are special because of where they're set. This one has both. Beautifully designed and decorated throughout, this exceptional Marbella model offers 2,810 square feet of thoughtfully designed living space, three bedrooms, two and a half bathrooms, and an extraordinary 16,000+ square foot lot with a private pool and spa. From the moment you enter, the home feels open, inviting, and beautifully appointed. The spacious floorplan flows effortlessly between the kitchen, living areas, and outdoor spaces, creating an ideal setting for both everyday living and entertaining. The kitchen features high level granite countertops with matching granite carried throughout the bathrooms, along with convenient pull out drawers that add both function and style. The formal dining room is filled with natural light from large picture windows overlooking the beautifully landscaped yard. Just beyond, an owner created den and office offers added privacy and valuable flexibility, whether used as a home office, reading room, hobby space, or additional retreat. The true showstopper is the outdoor living space. The large covered patio opens to a tranquil, shaded pool and spa area surrounded by beautifully landscaped grounds. With more than 16,000 square feet of land, this unique lot offers an exceptional sense of privacy and space that is rarely found, creating your own private retreat for quiet mornings, relaxing afternoons, and evenings under the desert sky. Thoughtful updates include exterior paint (2026), AC units (2025), tankless water heater (2025), electronic shades (2026), pool heater (2025), and a pool filter approximately two years old. No carpet adds to the home's clean, easy to maintain feel. Located in the premier 55+ active adult community of PebbleCreek, residents enjoy an exceptional resort style lifestyle with golf, fitness, pickleball, tennis, pools, dining, and a wide variety of clubs, classes, social activities, and entertainment. Whether you want to stay active, meet friends, or simply enjoy the peace and privacy of home, PebbleCreek offers the freedom to enjoy this next chapter exactly the way you want. A rare opportunity to own a beautifully appointed Marbella model on an exceptional lot with a private pool and spa, thoughtful updates, and the lifestyle that makes PebbleCreek so special.

3799 N 159th Avenue, Goodyear

$699,900
4 Beds 4 Baths 7078786 MLS 3,498 SqFt.
From the moment you Step up, you'll notice the paver-lined entry, formal dining room with a tray ceiling, and private den that gives you the perfect work-from-home space without taking away one of your bedrooms. But then you get to the great room... and THIS is where the house gets really good. The soaring two-story ceiling makes the entire space feel huge, the cable-rail staircase gives it a modern touch, and an entire corner of the room opens up with stacking glass doors that completely disappear. Open them up, and suddenly your great room, covered patio, and backyard all become one giant entertaining space. And let's be serious in Arizona, from October through June, this is where you'll want to be! The kitchen is right in the middle of everything, with a huge granite island that easily seats five, espresso cabinetry extending almost to the ceiling, a gas cooktop, stainless steel appliances, an enormous walk-in pantry, and a bright breakfast nook overlooking the backyard. Another one of my favorite things about this floor plan is the full bedroom suite downstairs. It has its own private bathroom AND walk-in closet, making it perfect for guests, parents, older kids, or multigenerational living. You also have a powder bath, dedicated laundry room, and separate mudroom/drop zone right off the garage. Upstairs, you aren't getting one of those tiny little lofts that nobody knows what to do with. This loft is HUGE, surrounded by windows on three sides, and offers views of the Superstition Mountains, giving you another true living space. The primary suite feels like its own retreat, with a tray ceiling, dual vanities, an oversized tiled shower with a rain showerhead and bench, and a walk-in closet actually designed for two people. Two additional bedrooms and another full bathroom finish off the upstairs. And outside, everything is already done for you. You have an extended patio, low-maintenance turf, mature shade trees, block-wall privacy, a 3-car garage, water softener, and dual-zone AC. To round this house out, you essentially get the best of both worlds! You get a private BACKYARD, but you can see the community pool from your front door. Then you get everything that comes with living in Cadence at Gateway: a resort-style pool with dual waterslides, lap pool, spa, fitness center, tennis and pickleball courts, sand volleyball, basketball, playgrounds, ramadas, and miles of trails. Plus, you're just minutes from the 24 and Phoenix-Mesa Gateway Airport. Lots of space. Tons of natural light. An incredible indoor/outdoor setup. And a community with amenities you'll actually use. Come see this one in person. I think you're going to love it.

9710 E Tumbleweed Avenue, Mesa

$800,000
5 Beds 4 Baths 7078780 MLS 3,999 SqFt.
Stunning 5-bedroom, 4-bath Mesa home with a heated pool, 4-car garage, Superstition Mountain views, and an exceptional gourmet kitchen! Built in 2019 and lovingly maintained, this approximately 4,000 sq ft home is loaded with upgrades and thoughtful features. The gourmet kitchen boasts quartz countertops, large island, stainless steel appliances, gas cooktop, double electric ovens, counter-depth refrigerator, staggered white cabinetry with soft-close doors and drawers, convenient roll-outs, crown molding, and a walk-in pantry. The spacious great room opens to a private backyard oasis featuring a covered patio, sparkling heated pool, artificial turf, additional concrete, professional landscaping, a 9' RV gate, double-gated side yard, and drive-through garage access to the backyard. The luxurious primary suite offers beautiful Superstition Mountain views, dual sinks, oversized shower, added cabinet storage with roll-outs, and a spacious walk-in closet. Every bedroom features a walk-in closet, while the second master bedroom and huge loft provide exceptional flexibility. Additional highlights include 10' ceilings, upgraded tile and carpet, window coverings, ceiling fans throughout, a whole-home water softener, and included refrigerator, washer, and dryer. The impressive 4-car garage features epoxy floors, hanging storage, EV charging wiring, and rear access to the backyard. An additional concrete parking area provides space for up to 5 vehicles in the driveway, while the home is also wired for fiber-optic internet options. Beautifully upgraded, incredibly functional, and move-in ready, this exceptional Mesa home offers the perfect combination of luxury, space, and entertaining potential!

4839 S Adelle --, Mesa

$787,900
4 Beds 3 Baths 7078770 MLS 2,713 SqFt.
Luxury living meets resort-style Arizona living in the highly sought-after Sun Groves community! This one-of-a-kind 4-bedroom PLUS den/office home offers 2,713 SF of beautifully renovated living space, with every detail thoughtfully upgraded to create a truly exceptional, move-in ready home. Originally renovated by a luxury builder as their own personal dream home, the property showcases premium finishes and craftsmanship throughout. Step inside to soaring ceilings, elegant arched doorways, luxury tile flooring, fresh paint, custom lighting and new chandeliers. The completely updated designer kitchen features an oversized center island with breakfast bar, granite countertops, newer stainless-steel appliances and an open-concept layout designed for everyday living and entertaining. The spa-inspired bathrooms have been fully remodeled with luxurious finishes, while the spacious primary suite features a private retreat and upgraded bath complete with a towel warmer. A second remodeled bathroom also features a towel warmer for an added touch of everyday luxury. The upgrades continue throughout the home with all-new electrical, new flooring, new interior paint, a new 2024 water heater, brand-new epoxy flooring in both garage areas, new garage door motors, established ADT security, and paid-off solar panels that help heat the pool. Entertainment is taken to another level with a private theater room featuring surround sound and incredible views of the San Tan Mountains and Arizona sunsets. Surround sound extends throughout the home and into the backyard, creating the perfect atmosphere for entertaining indoors or out. Upstairs laundry has been added for convenience, while downstairs hookups remain available for additional flexibility. Outside, your private resort-style backyard is truly the centerpiece of the home. Designed for entertaining and privacy with no backyard neighbor, the outdoor space features a solar-heated pool with waterfall, built-in grill, outdoor bar, fire pit, mature fruit trees and an RV gate. Whether you're hosting or enjoying a quiet evening by the pool, this backyard delivers the Arizona lifestyle you've been looking for. Located in Sun Groves, an established South Chandler community known for its neighborhood parks, greenbelts, lakes and walking/biking paths. Enjoy nearby Quail Run Park and its lake, Mustang Park, Chuckwalla Park, Red Rock Park and Prickly Pear Park, along with playgrounds, sports courts and community gathering spaces. Sun Groves also offers a strong neighborhood atmosphere with seasonal events and community gatherings, all while providing convenient access to shopping, dining, recreation and the Loop 202. A fully renovated luxury home with a private pool, 3-car garage, RV gate, home theater, owned solar and an entertainer's backyard all in one of South Chandler's most desirable communities.

4960 E Colonial Drive, Chandler

$300,000
2 Beds 2 Baths 7078769 MLS 967 SqFt.
Are you ready to enjoy the Gilbert lifestyle without the maintenance? Located in The Gardens, this 2-bedroom, 2-bath, detached home offers low-maintenance, lock-and-leave living in a neighborhood with tree-lined streets, green grass and great community amenities. When you want to get out and enjoy some of the best of Gilbert, Agritopia, Epicenter and Cooley Station are all close by, offering some of the most popular dining and retail spots in town. Take in the urban village and farm vibes while you grab coffee, shop local boutiques, meet friends for dinner, or tap into local wellness spots. You''ll have so much to choose from! And when you're back home, you'll have fresh paint throughout, updated bathrooms and newer carpet, all giving the interior it's fresh, clean feel. A separate bonus room adds flexibility and is perfect for a home office, hobby area or fitness space. The bathrooms are newly remodeled, including tiled showers, new vanities and new toilets. And for added peace of mind, the roof was recently inspected and given a clean bill of health. The HOA maintains the landscape here, leaving you more time to enjoy the community pool, spa, sports courts, playgrounds and nearby trails. A 2-car garage adds even more functionality (and maybe even some extra storage) to this easy-to-maintain property. Whether you're buying your first home, wanting to simplify, or looking for an investment, this great property is an affordable way to enjoy the Gilbert lifestyle!

4076 E Jasper Drive, Gilbert

$669,900
3 Beds 2 Baths 7078752 MLS 2,031 SqFt.
If you've ever dreamed of owning a piece of Arizona history, this is your chance. Welcome to this charming 3-bedroom, 2-bathroom, 2,031 square foot home nestled in Scottsdale, offering not only timeless character but also a valuable tax advantage that comes with its historic designation. Built with history in mind, this home has been thoughtfully updated throughout while preserving its original charm. The kitchen has been beautifully renovated with tall cabinetry, upper glass cabinets, soft-close drawers, a gas range, a breakfast bar, and stainless-steel appliances, all of which convey with the home. Both bathrooms have been tastefully updated as well, with one featuring a large, tiled shower with a custom glass door for a spa-like feel, the other offering a tiled jetted tub with ample storage. The third bedroom includes elegant glass double doors and a closet, making it just as perfect for a home office as it is a bedroom. An indoor laundry room with a stylish barn door, laundry sink, and extra storage adds even more convenience. Out front, a charming courtyard patio greets you with an Italian villa feel, while the backyard features an inviting outdoor space with lovely landscaping, a patio, a storage shed, and views of Papago Park. A bonus "Arizona Room" with glass doors offers flexible additional living space, ready for your personal touch. And right in the front yard stands a true piece of the property's history: an original orange tree planted when the home was first built that produces amazing oranges each season. The home also includes a single-car carport rather than a garage, a nod to its historic character. However, buyers who choose to remove the historic designation down the road may have the option to convert it into a garage. Tucked into one of Scottsdale's most desirable pockets, this home is just minutes from Papago Park, the Desert Botanical Garden, HonorHealth Scottsdale, and the ASU baseball field, with a short drive to Old Town Scottsdale and Tempe. You're also minutes from the canal path, offering a scenic bike ride all the way to Tempe and beyond. Don't miss this rare opportunity to own a piece of Arizona history.

6713 E Cypress Street, Scottsdale

$1,695,000
4 Beds 3 Baths 7078745 MLS 2,634 SqFt.
Meticulously reimagined for elevated Scottsdale living, 7238 E Lupine is a striking single-level residence where every detail feels intentional. Spanning 2,634 SF with 4 bedrooms, 3 full baths and two primary suites, the light-filled interior pairs warm natural tones with refined finishes, designer lighting and expansive glass. A showpiece kitchen features rich wood cabinetry, sleek surfaces and a dramatic waterfall island. The lifestyle continues outdoors with a beautifully composed backyard, private courtyard and covered patio designed for effortless entertaining and serene desert evenings. Set on a quiet cul-de-sac within a private gated enclave, a heated community pool, spa and cabana are just steps from the front door. Sophisticated, inviting and impeccably considered. Thoughtfully reimagined and meticulously considered in every detail, 7238 E Lupine Avenue presents a sophisticated expression of contemporary Scottsdale living. Set on a quiet cul-de-sac within a private gated enclave in coveted Scottsdale 85260, this exceptional single-level residence brings together refined design, effortless livability and the indoor-outdoor lifestyle that defines the best of the Arizona desert. Spanning approximately 2,634 square feet, the home offers four bedrooms, three full bathrooms and the rare versatility of two primary suites. From the moment you enter, the residence feels light, open and remarkably composed. Warm natural tones, carefully selected finishes, designer lighting and expansive glass establish an aesthetic that is elevated without feeling overstated. Every element has been considered as part of a cohesive design story, resulting in interiors that feel polished, inviting and distinctly luxurious. The main living spaces unfold with an effortless sense of flow. Natural light moves throughout the home, while expansive glass creates a visual connection to the private outdoor spaces beyond. The result is an environment equally suited to quiet everyday living and sophisticated entertaining. At the center of the home, the showpiece kitchen makes a confident architectural statement. Rich wood cabinetry brings warmth and texture, while sleek surfaces and a dramatic waterfall-edge island introduce a crisp contemporary sensibility. Generous proportions allow the kitchen to function not simply as a place for preparation, but as a natural gathering point--a space designed for conversation, entertaining and the rhythm of daily life. The four-bedroom floor plan offers an exceptional degree of flexibility, highlighted by two primary suites. Whether used for multigenerational living, extended guests or simply the luxury of additional private accommodations, the configuration provides options rarely found in a residence of this scale. Three full bathrooms complement the layout, with sophisticated materials and a consistent attention to detail reinforcing the home's elevated design language. The primary retreat is conceived as a place of calm, with a beautifully appointed bath that continues the home's refined contemporary aesthetic. Throughout the residence, thoughtful material selections, clean architectural lines and meticulous finishes create a sense that each space belongs to the next rather than feeling individually renovated. And in Scottsdale, exceptional living should never stop at the interior. Here, the lifestyle continues seamlessly outdoors. The backyard has been thoughtfully composed as an extension of the home, creating a private setting for morning coffee, intimate dinners, entertaining friends or simply enjoying a quiet Arizona evening. Covered patio space provides a natural transition from inside to out, while the private courtyard introduces another intimate outdoor moment. Together, these spaces create multiple opportunities to live beyond the walls of the residence and enjoy Scottsdale's celebrated climate. The home's north/south exposure and cul-de-sac setting further enhance its sense of privacy and ease. A two-car garage with direct access provides everyday convenience, while the single-level floor plan and absence of interior steps contribute to an exceptionally comfortable, intuitive way of living. One of the community's most appealing amenities is located just steps from the front door. Residents enjoy access to a heated community pool and spa with cabana, delivering the atmosphere of a resort-style amenity without the maintenance responsibilities of a private pool. It is an ideal complement to the home's own private backyard and courtyard spaces--offering the ability to enjoy a poolside Scottsdale lifestyle while preserving the residence's outdoor areas for entertaining, dining and relaxation. Beyond its design, 7238 E Lupine offers something increasingly valuable: a home that feels complete. The scale is generous yet manageable. The floor plan is versatile. The interiors are sophisticated yet comfortable. The outdoor spaces are private and inviting. And the gated setting provides an added sense of arrival and exclusivity. Located in Scottsdale's desirable 85260 corridor, the residence offers an exceptional home base for experiencing the lifestyle for which Scottsdale is internationally recognized--an environment shaped by design, dining, recreation, sunshine and an unmistakable connection to the desert. This is not simply a home that has been updated. It has been thoughtfully reimagined to elevate the caliber and style of everyday living. From its light-filled interiors and meticulous finishes to its two primary suites, statement kitchen, private outdoor spaces and community amenities just beyond the front door, every element works together to create a residence that feels intentional, sophisticated and effortless. For the buyer seeking elevated Scottsdale living without excess, 7238 E Lupine Avenue delivers a compelling balance of luxury, design and livability. Private yet connected, contemporary yet warm, and polished without sacrificing comfort, this is a home designed not simply to be seen, but to be experienced.

7238 E Lupine Avenue, Scottsdale

Start Your Search

Copyright 2026 Arizona Regional Multiple Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Arizona Regional Multiple Listing Service. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Arizona Regional Multiple Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.