: Loans that only require repayment when you sell or refinance the home.
: Aimed at low-to-moderate-income buyers in eligible rural and suburban regions. To qualify in 2026, household income for a 1-4 person family generally cannot exceed $119,850 in many areas. how to buy a house without money down
Buying a home with no money down is primarily achieved through specific government-backed mortgage programs like for military families or USDA loans for those in designated rural and suburban areas. Beyond these specialized products, prospective buyers can utilize strategies such as down payment assistance (DPA) grants , which can cover upfront costs for standard loans, or gift funds from family members. The Path to Homeownership Without a Down Payment : Loans that only require repayment when you
The most direct routes to a 0% down payment are through federal programs designed for specific populations: Buying a home with no money down is
: Second mortgages that are forgiven if you live in the home for a set number of years.
If loan programs alone aren't enough, buyers often use these additional methods: