How To Buy A Home — Without A Down Payment

"What about my cousin, Sam?" Maya asked. "He’s a veteran.""Then he’s golden," Elias replied. "The is the gold standard. No down payment, no private mortgage insurance (PMI), and competitive rates. It's the country's way of saying thanks." Chapter 3: The State Secret

"And if the government won't help?""Then you look at your circle," Elias said. "Many lenders allow . If a family member is willing to help, they can gift you the down payment. Or, you can find a seller willing to pay your closing costs , which keeps more of your own cash in your pocket for the move." The Epilogue how to buy a home without a down payment

Maya spent the next month researching. She found a local non-profit offering a DPA grant for residents in her favorite neighborhood. Combined with a standard low-down-payment loan, she walked into the closing room with a check for exactly zero dollars of her own savings for the down payment. "What about my cousin, Sam