How To Buy A House When You Have No Money [2026]

Two primary federal programs offer 100% financing, requiring $0 down for eligible borrowers: How to buy a house with no money down | Rocket Mortgage

Purchasing a home with little to no upfront capital is achievable in 2026 through specific government-backed loans, state-sponsored assistance, and alternative financing strategies. While these programs eliminate the traditional 20% down payment barrier, they often come with specific eligibility requirements and long-term costs. 1. Zero-Down Government Loan Programs how to buy a house when you have no money