: Aimed at low-to-moderate-income buyers in eligible rural and suburban regions. To qualify in 2026, household income for a 1-4 person family generally cannot exceed $119,850 in many areas.
: Loans that only require repayment when you sell or refinance the home. how to buy a house without money down
If loan programs alone aren't enough, buyers often use these additional methods: : Aimed at low-to-moderate-income buyers in eligible rural
: Second mortgages that are forgiven if you live in the home for a set number of years. If loan programs alone aren't enough, buyers often
: Available to veterans, active-duty service members, and eligible surviving spouses. These loans offer 100% financing and do not require private mortgage insurance (PMI), which can save hundreds monthly.
Buying a home with no money down is primarily achieved through specific government-backed mortgage programs like for military families or USDA loans for those in designated rural and suburban areas. Beyond these specialized products, prospective buyers can utilize strategies such as down payment assistance (DPA) grants , which can cover upfront costs for standard loans, or gift funds from family members. The Path to Homeownership Without a Down Payment
The most direct routes to a 0% down payment are through federal programs designed for specific populations: