Options For Buying A House With No Down Payment May 2026

These government-backed programs are the only major loan types that inherently require no down payment:

: As of 2026, there are over 2,600 DPA programs nationwide, offering an average benefit of $18,000. 3. Managing Upfront Costs United States Department of Veterans Affairs options for buying a house with no down payment

: Combines a 3.5% FHA loan with a forgivable second mortgage, effectively removing the out-of-pocket down payment requirement. These government-backed programs are the only major loan

If you do not qualify for the programs above, you can often reach a "zero-down" threshold by combining lower-down-payment loans with other forms of assistance: there are over 2

: Available to veterans, active-duty service members, and eligible surviving spouses. They feature no monthly mortgage insurance and flexible credit requirements.