Buying A House Without A Downpayment May 2026

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:

: You can negotiate for the seller to pay some or all of these costs (up to 3% for conventional, 4% for VA, and 6% for FHA/USDA). buying a house without a downpayment

: FHA loans normally require 3.5% down for credit scores of 580+. However, lenders like Guild Mortgage offer programs that combine an FHA loan with a forgivable second mortgage to cover the 3.5% requirement. If you do not qualify for the above,