: Requires a one-time "funding fee" (typically 1.25% to 3.3%), which can be rolled into the loan balance.
: Allows for 1% down, with the lender providing a 2% grant to reach the 3% requirement. 4. Strategies to Eliminate Upfront Costs 7 Ways to Buy a House With No Money Down in 2026 how to buy a house with no savings
: Backed by the U.S. Department of Veterans Affairs , these are available to active-duty service members, veterans, and eligible surviving spouses. : Requires a one-time "funding fee" (typically 1
: State Housing Finance Agencies (HFAs) like CalHFA offer "silent second" mortgages or grants that cover down payments and closing costs. how to buy a house with no savings
: Require only 3% down for low-to-moderate income borrowers.