If you don't qualify for VA or USDA, you can often reach "zero out of pocket" by stacking low-down-payment loans with grants:
Many state and local Down Payment Assistance (DPA) programs offer grants (free money) or deferred-payment second mortgages that are forgiven if you stay in the home for a set period (often 5–10 years).
While most buyers aim for the standard 20% down, two primary federal programs allow for 0% down as of April 2026:
Some lenders will pay your closing costs in exchange for a slightly higher interest rate. 4. The Psychological & Financial Cost