Buying A House With 0 Down Official

These government-guaranteed options are the only major mortgage types that allow for 100% financing. How To Buy a House With No Money Down | $0 Down Loans

Buying a home with zero down is possible in 2026 primarily through government-backed loan programs like and USDA loans, or by stacking assistance programs. While these programs eliminate the initial down payment, you should still prepare for closing costs, which typically range from 3% to 5% of the purchase price. 1. True $0 Down Payment Programs buying a house with 0 down