How To Buy A House Without Money Down File

The most direct routes to a 0% down payment are through federal programs designed for specific populations:

: Aimed at low-to-moderate-income buyers in eligible rural and suburban regions. To qualify in 2026, household income for a 1-4 person family generally cannot exceed $119,850 in many areas. how to buy a house without money down

: Second mortgages that are forgiven if you live in the home for a set number of years. The most direct routes to a 0% down

: Loans that only require repayment when you sell or refinance the home. buyers often use these additional methods:

If loan programs alone aren't enough, buyers often use these additional methods: