: Offers a mortgage with no down payment, no closing costs, and no fees.
Most zero-down payment options are specialized government-backed programs or creative financing arrangements. :
Buying and selling a home with "no money" typically refers to minimizing upfront cash for a down payment or avoiding out-of-pocket costs during a sale. While complex, several established paths exist for both buyers and sellers as of 2026.
: Available to veterans, active-duty members, and some surviving spouses. These offer 100% financing with no private mortgage insurance (PMI).