Can Buy A House With No Money Down May 2026

: No down payment and no monthly mortgage insurance (PMI).

There are two primary federal mortgage programs that allow for a true $0 down payment:

: Requires a one-time VA funding fee (typically 2.15% for first-time use), which can be rolled into the loan. can buy a house with no money down

: Designed for low-to-moderate-income buyers in eligible rural and suburban areas .

: Includes a 1% upfront guarantee fee and a 0.35% annual fee. 2. Down Payment Assistance (DPA) : No down payment and no monthly mortgage insurance (PMI)

: Must meet income limits (usually 115% of the area median) and the property must be in a USDA-approved zone.

If you do not qualify for a VA or USDA loan, you can use to cover the required 3% to 3.5% for conventional or FHA loans. How To Buy a House With No Money Down | $0 Down Loans : Includes a 1% upfront guarantee fee and a 0

: Reserved for military service members, veterans, and eligible surviving spouses .