Options For Buying A House With No Down Payment -

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

: Standard FHA loans require 3.5% down, but many buyers "stack" these with State and Local Grants or forgivable second mortgages to cover the entire upfront cost. Specialized Lender Programs : options for buying a house with no down payment

These government-backed programs are the only major loan types that inherently require no down payment: : Available to veterans, active-duty service members, and

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: : Available to veterans

: 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