Buying A House With Zero Down Apr 2026

: This program provides a 3.5% down payment assistance second mortgage that can be forgiven after 36 on-time monthly payments. Key Considerations FHA + DPA Grant Down Payment 0% (if grant covers it) Credit Req. Varies (often 580+) Typically 640+ Varies by DPA program Location Nationwide Eligible Rural/Suburban Nationwide PMI Low annual fee Monthly PMI required

: Many states offer grants (like CHFA ) or forgivable loans that cover the 3%–3.5% requirement for FHA or Conventional loans. buying a house with zero down

: Available to eligible military members, veterans, and certain surviving spouses. These offer $0 down and do not require monthly private mortgage insurance (PMI), though they usually involve an upfront funding fee. : This program provides a 3

: The Neighborhood Assistance Corporation of America offers a program with no down payment , no closing costs, and no PMI for qualifying members. Leveraging Assistance to Reach $0 Down : Available to eligible military members, veterans, and

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Buying a home with zero down is entirely possible through specific government-backed programs and specialized assistance options. While these eliminate the standard 20% down payment, most still require you to cover closing costs, inspections, and escrow deposits.

If you don't qualify for VA or USDA loans, you can use "stackable" assistance to reach a zero-down effect with other loan types: