There are two primary federal mortgage programs that allow for a true $0 down payment:
Buying a home with no money down is possible in 2026 through specific government-backed programs and financial strategies. While traditional conventional loans often require at least 3% to 5% down, certain buyers can finance . 1. Government-Backed Zero-Down Programs can buy a house with no money down
: Requires a one-time VA funding fee (typically 2.15% for first-time use), which can be rolled into the loan. There are two primary federal mortgage programs that
: Includes a 1% upfront guarantee fee and a 0.35% annual fee. 2. Down Payment Assistance (DPA) Down Payment Assistance (DPA) If you do not
If you do not qualify for a VA or USDA loan, you can use to cover the required 3% to 3.5% for conventional or FHA loans. How To Buy a House With No Money Down | $0 Down Loans
: No down payment and no monthly mortgage insurance (PMI).