Down Payment Assistance
Resources and programs to help you save for your first home in Kenya.
Why Down Payments Matter
In Kenya, most lenders require a down payment of 10–20% of the property price. A larger down payment can lower your monthly mortgage and improve your chances of approval. Saving for this amount takes time—here are resources that can help.
Government and Bank Programs
- Hustler Fund — Government-backed loans for small businesses and individuals; some use it for housing savings
- Banks — Many banks offer savings products with competitive interest to help you build a down payment
- SACCOs — Savings and credit cooperatives often provide affordable housing loans to members
Tips to Save Faster
- Set up a dedicated savings account and automate monthly transfers
- Cut non-essential spending and redirect to savings
- Consider a side income or investment to accelerate savings
- Use our Affordability Calculator to set a target
Ready to Buy?
Once you've saved enough, start exploring homes that fit your budget.
Browse Homes for Sale