: Many lenders accept scores starting at 580–620 .
If you don't meet the criteria for the loans above, you can stack these strategies to reach a $0 out-of-pocket goal. want to buy a house with no money down
💡 Strategies to Reach "Zero Down" (When You Don't Qualify for VA/USDA) : Many lenders accept scores starting at 580–620
: You skip monthly private mortgage insurance, which can save $150–$250 per month. want to buy a house with no money down
: While the down payment may be zero, you still need to plan for "earnest money" deposits, inspections, and appraisal fees.
: A second mortgage with 0% interest and no monthly payments, often forgiven if you live in the house for 5–10 years.