: Available for low-to-moderate-income buyers in USDA-eligible rural and suburban areas . Eligibility : Roughly 97% of U.S. land is eligible.
Buying a house with no money down is entirely possible in 2026 through specific government-backed loans and financial strategies designed to eliminate the standard 20% down payment. 🏠 Primary Zero-Down Mortgage Options want to buy a house with no money down
: Typically requires a minimum score of 640 . Buying a house with no money down is
: State and local agencies offer grants or forgivable loans to cover the 3%–3.5% required by FHA or conventional loans. If you don't meet the criteria for the
If you don't meet the criteria for the loans above, you can stack these strategies to reach a $0 out-of-pocket goal.
: "Free money" that doesn't need to be repaid (e.g., Bank of America's Home Grant offers up to $7,500).