Buying A House Without A Downpayment Apr 2026

Even with a 0% down payment, you must plan for , which typically range from 2% to 5% of the purchase price.

Only two major federal programs consistently offer financing for qualified individuals:

: Offers specialized zero-down options like the "Military Choice" and "Homebuyers Choice" mortgages for members. buying a house without a downpayment

: Exclusive to veterans, active-duty service members, and eligible surviving spouses.

: Total household income generally cannot exceed 115% of the area median ($119,850 for a family of 1–4 in most areas). Even with a 0% down payment, you must

Buying a house without a down payment in 2026 is primarily possible through specific government-backed programs or strategic financial combinations. While the traditional 20% down payment is often cited, the median for first-time buyers in 2025 was actually . True zero-down options exist but are restricted by military service or geographic location. True Zero-Down Payment Programs

: Must obtain a Certificate of Eligibility (COE) . : Total household income generally cannot exceed 115%

Buying a house without a down payment | Multi-Prêts Mortgages