Options For Buying A House With No Down Payment Official

: Available to veterans, active-duty service members, and eligible surviving spouses. They feature no monthly mortgage insurance and flexible credit requirements.

: Combines a 3.5% FHA loan with a forgivable second mortgage, effectively removing the out-of-pocket down payment requirement. options for buying a house with no down payment

: Allows for a 1% down payment, with the lender providing a 2% non-repayable grant to reach the required equity. : Available to veterans, active-duty service members, and

These government-backed programs are the only major loan types that inherently require no down payment: : Available to veterans

While 20% is often cited as the gold standard for a down payment, it is far from a requirement. For qualified buyers, 2026 mortgage programs like VA Loans and USDA Loans allow for 0% down.