How To Buy A House Without Money Down Site

: Loans that only require repayment when you sell or refinance the home.

Buying a home with no money down is primarily achieved through specific government-backed mortgage programs like for military families or USDA loans for those in designated rural and suburban areas. Beyond these specialized products, prospective buyers can utilize strategies such as down payment assistance (DPA) grants , which can cover upfront costs for standard loans, or gift funds from family members. The Path to Homeownership Without a Down Payment how to buy a house without money down

For those who don't qualify for VA or USDA loans, over 2,600 DPA programs exist across the U.S. as of late 2025. These programs, often managed by state or local housing agencies, provide: Grants : "Free money" that does not need to be repaid. : Loans that only require repayment when you

: Aimed at low-to-moderate-income buyers in eligible rural and suburban regions. To qualify in 2026, household income for a 1-4 person family generally cannot exceed $119,850 in many areas. The Path to Homeownership Without a Down Payment

If loan programs alone aren't enough, buyers often use these additional methods:

: Second mortgages that are forgiven if you live in the home for a set number of years.