Fresno offers a 0% down-payment assistance program for low-income homebuyers, providing up to $100,000 through its Mortgage Assistance Program. Applicants must not have owned a home in the past three years, meet income criteria, and complete an 8-hour homebuyer education course. The loan is repaid upon home sale, with no monthly payments, and is forgivable after 15 years. Homes must be within city limits and serve as primary residences.