: Their "Destination Home Mortgage" offers 0% down in eligible counties for borrowers with a FICO score as low as 600. Critical Costs Beyond the Down Payment
Buying a house without a down payment in 2026 is primarily possible through specific government-backed programs or strategic financial combinations. While the traditional 20% down payment is often cited, the median for first-time buyers in 2025 was actually . True zero-down options exist but are restricted by military service or geographic location. True Zero-Down Payment Programs buying a house without a downpayment
: Approximately 97% of U.S. land mass is eligible, including many suburban towns outside major metros. : Their "Destination Home Mortgage" offers 0% down
: Designed for low-to-moderate-income buyers in "rural" areas. True zero-down options exist but are restricted by
Only two major federal programs consistently offer financing for qualified individuals:
: Includes a 1% upfront guarantee fee and a 0.35% annual fee. "Near-Zero" and Stacked Options
: Must obtain a Certificate of Eligibility (COE) .