: For eligible veterans, active-duty service members, and qualifying surviving spouses. These offer 100% financing, no monthly mortgage insurance (PMI), and competitive interest rates.

Some private lenders offer specialized programs that eliminate the down payment: VA Loan Kansas City MO - McGowan Mortgages

: Designed for low-to-moderate-income buyers in eligible rural and suburban areas. The program offers $0 down and generally lower mortgage insurance rates than FHA loans.

: Many states and local agencies offer grants or forgivable loans that can cover the down payment for an FHA or conventional loan, effectively bringing your out-of-pocket down payment to zero. Lender-Specific Zero Down Options