How To Buy A House Without Money Down -

The most direct routes to a 0% down payment are through federal programs designed for specific populations:

: Available to veterans, active-duty service members, and eligible surviving spouses. These loans offer 100% financing and do not require private mortgage insurance (PMI), which can save hundreds monthly. how to buy a house without money down

If loan programs alone aren't enough, buyers often use these additional methods: The most direct routes to a 0% down

For those who don't qualify for VA or USDA loans, over 2,600 DPA programs exist across the U.S. as of late 2025. These programs, often managed by state or local housing agencies, provide: Grants : "Free money" that does not need to be repaid. active-duty service members