Buying A House With Zero Down May 2026

I can help find localized grants or check the for a particular area.

: Many states offer grants (like CHFA ) or forgivable loans that cover the 3%–3.5% requirement for FHA or Conventional loans. buying a house with zero down

: Available to eligible military members, veterans, and certain surviving spouses. These offer $0 down and do not require monthly private mortgage insurance (PMI), though they usually involve an upfront funding fee. I can help find localized grants or check

: The Neighborhood Assistance Corporation of America offers a program with no down payment , no closing costs, and no PMI for qualifying members. Leveraging Assistance to Reach $0 Down These offer $0 down and do not require

Buying a home with zero down is entirely possible through specific government-backed programs and specialized assistance options. While these eliminate the standard 20% down payment, most still require you to cover closing costs, inspections, and escrow deposits.