Buying A House Without A Downpayment Apr 2026

: Exclusive to veterans, active-duty service members, and eligible surviving spouses.

: Designed for low-to-moderate-income buyers in "rural" areas. buying a house without a downpayment

: Includes a 1% upfront guarantee fee and a 0.35% annual fee. "Near-Zero" and Stacked Options : Exclusive to veterans, active-duty service members, and

: 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 "Near-Zero" and Stacked Options : Their "Destination Home

: No private mortgage insurance (PMI) and competitive interest rates.

: Allows for 1% down , with the lender contributing the remaining 2% as a non-repayable grant.

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