Ways To Buy A Home With No Money Down [ 2026 Update ]

The two most prominent federal programs for zero-down financing are tailored to specific borrower populations or geographic areas:

: Backed by the Department of Veterans Affairs, these loans offer 0% down and no monthly mortgage insurance for active-duty service members, veterans, and eligible surviving spouses. Borrowers must obtain a Certificate of Eligibility (COE) and typically meet a credit score requirement between 580 and 620 . ways to buy a home with no money down

If you do not qualify for VA or USDA loans, you can use assistance programs to cover the required down payment for other loan types: 2026 USDA Eligibility Map & Rural Property Requirements The two most prominent federal programs for zero-down