There are two primary federal mortgage programs that allow for a true $0 down payment:
: Requires a one-time VA funding fee (typically 2.15% for first-time use), which can be rolled into the loan.
: Must meet income limits (usually 115% of the area median) and the property must be in a USDA-approved zone.
: Designed for low-to-moderate-income buyers in eligible rural and suburban areas .