How Can I Buy A Home With No Down Payment May 2026

: Like Alex, she put $0 down , though she did have to pay a small annual guarantee fee.

: They asked the sellers to pay their closing costs in exchange for a slightly higher offer price. how can i buy a home with no down payment

Once upon a time, two friends, Alex and Jordan, dreamed of owning homes but had zero savings for a down payment. They took two very different paths to reach their goal. : Like Alex, she put $0 down ,

Alex had served in the military. Because of this service, Alex was eligible for a VA Loan , which allows veterans and active-duty members to buy a home with 0% down . They took two very different paths to reach their goal

Both friends realized that even with $0 down, they still faced "closing costs"—the fees for lawyers, inspections, and taxes. To solve this, they used two creative "cheats":

By the end of the year, both Alex and Jordan were hosting housewarming parties in living rooms they owned, without having spent years saving for a 20% down payment.