: Their "Destination Home Mortgage" offers 0% down in eligible counties for borrowers with a FICO score as low as 600. Critical Costs Beyond the Down Payment
: You can negotiate for the seller to pay some or all of these costs (up to 3% for conventional, 4% for VA, and 6% for FHA/USDA). buying a house without a downpayment
Even with a 0% down payment, you must plan for , which typically range from 2% to 5% of the purchase price. : Their "Destination Home Mortgage" offers 0% down
: Includes a 1% upfront guarantee fee and a 0.35% annual fee. "Near-Zero" and Stacked Options : Includes a 1% upfront guarantee fee and a 0
: Must obtain a Certificate of Eligibility (COE) .
Buying a house without a down payment in 2026 is primarily possible through specific government-backed programs or strategic financial combinations. While the traditional 20% down payment is often cited, the median for first-time buyers in 2025 was actually . True zero-down options exist but are restricted by military service or geographic location. True Zero-Down Payment Programs