While a zero-down payment eliminates the upfront cost of the home's purchase price, you will still need to cover closing costs, moving expenses, and earn enough income to qualify for a mortgage [1]. 🏠 Zero-Down Mortgage Programs
: Programs like Fannie Mae HomeReady or Freddie Mac Home Possible require only 3% down [1].
: Nearly every state has a Housing Finance Agency (HFA) offering grants or silent second mortgages to first-time buyers [2].
: Require only 3.5% down and have more lenient credit score requirements [1, 2].