Options For Buying A House With No Down Payment Here

: Combines a 3.5% FHA loan with a forgivable second mortgage, effectively removing the out-of-pocket down payment requirement.

While 20% is often cited as the gold standard for a down payment, it is far from a requirement. For qualified buyers, 2026 mortgage programs like VA Loans and USDA Loans allow for 0% down. options for buying a house with no down payment

If you do not qualify for the programs above, you can often reach a "zero-down" threshold by combining lower-down-payment loans with other forms of assistance: : Combines a 3

These government-backed programs are the only major loan types that inherently require no down payment: options for buying a house with no down payment