Buying A House With Zero Down May 2026

: Many states offer grants (like CHFA ) or forgivable loans that cover the 3%–3.5% requirement for FHA or Conventional loans.

AI responses may include mistakes. For financial advice, consult a professional. Learn more Are home buyers attracted to $0 down payment? - Facebook buying a house with zero down

: This program provides a 3.5% down payment assistance second mortgage that can be forgiven after 36 on-time monthly payments. Key Considerations FHA + DPA Grant Down Payment 0% (if grant covers it) Credit Req. Varies (often 580+) Typically 640+ Varies by DPA program Location Nationwide Eligible Rural/Suburban Nationwide PMI Low annual fee Monthly PMI required : Many states offer grants (like CHFA )

: Available to eligible military members, veterans, and certain surviving spouses. These offer $0 down and do not require monthly private mortgage insurance (PMI), though they usually involve an upfront funding fee. Learn more Are home buyers attracted to $0 down payment

Buying a home with zero down is entirely possible through specific government-backed programs and specialized assistance options. While these eliminate the standard 20% down payment, most still require you to cover closing costs, inspections, and escrow deposits.

: Newer pilot programs, such as those in Michigan or California , offer up to $25,000–$150,000 for buyers whose parents have not owned a home recently.

If you don't qualify for VA or USDA loans, you can use "stackable" assistance to reach a zero-down effect with other loan types: