If you are a veteran, active-duty service member, or eligible surviving spouse, VA loans are your best bet. They offer 100% financing with no down payment and, unlike other loans, no monthly mortgage insurance.
The "20% down payment" rule has long been a major barrier for aspiring homeowners. In today’s market, saving tens of thousands of dollars can feel impossible. However, the reality in 2026 is that you don't always need a massive pile of cash to get the keys to your new home. can i buy a house with no down payment
Can I Buy a House with No Down Payment? Your 2026 Guide to $0 Down Homeownership If you are a veteran, active-duty service member,
You don’t have to be a farmer to get a USDA loan . These are designed for low-to-moderate-income buyers in qualifying "rural" areas—which often include many suburban neighborhoods. They offer 0% down but do require a primary residence location within USDA-eligible zones . 2. Down Payment Assistance (DPA) Programs In today’s market, saving tens of thousands of
The most direct way to skip a down payment is through federal loan programs designed for specific types of buyers.
If you’re wondering, "Can I buy a house with no down payment?" the answer is —if you know where to look. 1. The "Big Two": Government-Backed 0% Down Loans