Buying A House Without A Downpayment May 2026

Only two major federal programs consistently offer financing for qualified individuals:

: Approximately 97% of U.S. land mass is eligible, including many suburban towns outside major metros. buying a house without a downpayment

: Allows for 1% down , with the lender contributing the remaining 2% as a non-repayable grant. Only two major federal programs consistently offer financing

: Offers specialized zero-down options like the "Military Choice" and "Homebuyers Choice" mortgages for members. 4% for VA

: You can negotiate for the seller to pay some or all of these costs (up to 3% for conventional, 4% for VA, and 6% for FHA/USDA).