: The Neighborhood Assistance Corporation of America offers a program with no down payment , no closing costs, and no PMI for qualifying members. Leveraging Assistance to Reach $0 Down

: Many states offer grants (like CHFA ) or forgivable loans that cover the 3%–3.5% requirement for FHA or Conventional loans.

: This program provides a 3.5% down payment assistance second mortgage that can be forgiven after 36 on-time monthly payments. Key Considerations FHA + DPA Grant Down Payment 0% (if grant covers it) Credit Req. Varies (often 580+) Typically 640+ Varies by DPA program Location Nationwide Eligible Rural/Suburban Nationwide PMI Low annual fee Monthly PMI required

: Available to eligible military members, veterans, and certain surviving spouses. These offer $0 down and do not require monthly private mortgage insurance (PMI), though they usually involve an upfront funding fee.

If you don't qualify for VA or USDA loans, you can use "stackable" assistance to reach a zero-down effect with other loan types:

I can help find localized grants or check the for a particular area.

: Designed for low-to-moderate-income buyers in designated rural and some suburban areas. They offer 100% financing with no down payment requirement, provided the property is in an eligible USDA area .

: Newer pilot programs, such as those in Michigan or California , offer up to $25,000–$150,000 for buyers whose parents have not owned a home recently.