: Designed for low-to-moderate-income buyers in "rural" areas.
: Includes a 1% upfront guarantee fee and a 0.35% annual fee. "Near-Zero" and Stacked Options buying a house without a downpayment
If you do not qualify for the above, you can often reach a 0% effective down payment by stacking low-down-payment loans with assistance: buying a house without a downpayment
Only two major federal programs consistently offer financing for qualified individuals: buying a house without a downpayment
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