Buying a home with no money down is possible in 2026 through specific government-backed programs and financial strategies. While traditional conventional loans often require at least 3% to 5% down, certain buyers can finance . 1. Government-Backed Zero-Down Programs
: Must meet income limits (usually 115% of the area median) and the property must be in a USDA-approved zone. can buy a house with no money down
: Designed for low-to-moderate-income buyers in eligible rural and suburban areas . Buying a home with no money down is
: No down payment and no monthly mortgage insurance (PMI). and eligible surviving spouses .
: Reserved for military service members, veterans, and eligible surviving spouses .
