: Designed for low-to-moderate income buyers in eligible rural or suburban areas. These also offer a 0% down payment option, provided both the buyer and the property meet location-specific income requirements. 2. Down Payment Assistance (DPA) Programs
If you don't qualify for a zero-down loan, you may use grants or secondary loans to cover the upfront costs: can i buy a house with no money
: The seller acts as the lender, allowing you to make payments directly to them. This can sometimes be negotiated with little to no down payment. : Designed for low-to-moderate income buyers in eligible
: You live in the house as a tenant for 3–5 years while a portion of your monthly rent is credited toward a future down payment. Down Payment Assistance (DPA) Programs If you don't
: Available to veterans, active-duty service members, and qualifying surviving spouses. These offer 0% down and typically do not require monthly mortgage insurance.
: Programs like PMAY-Urban 2.0 in India offer interest subsidies (up to ₹2.67 lakh) that directly reduce your loan principal and monthly EMIs.
Certain government-backed loans allow you to purchase a home with 0% down if you meet specific eligibility requirements: