: Reserved for military service members, veterans, and eligible surviving spouses. No Down Payment : Finance up to 100% of the home's value.
⭐ : Check your state's specific Housing Finance Agency (HFA) website; they often have 2026 updates for first-time buyer grants that are not advertised on national sites.
: In exchange for a slightly higher interest rate, some lenders will pay for your closing costs. ⚠️ Important Trade-offs to Consider want to buy a house with no money down
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: "Free money" that doesn't need to be repaid (e.g., Bank of America's Home Grant offers up to $7,500). : Reserved for military service members, veterans, and
: Determined by your ability to repay rather than a fixed cap.
: You start with zero equity. If home prices dip, you could immediately owe more than the house is worth (negative equity). : In exchange for a slightly higher interest
: Typically requires a minimum score of 640 .