: Combines a 3.5% FHA loan with a forgivable second mortgage, effectively removing the out-of-pocket down payment requirement.
: Standard FHA loans require 3.5% down, but many buyers "stack" these with State and Local Grants or forgivable second mortgages to cover the entire upfront cost. Specialized Lender Programs : options for buying a house with no down payment
If you do not qualify for the programs above, you can often reach a "zero-down" threshold by combining lower-down-payment loans with other forms of assistance: : Combines a 3