There are two major federal programs that provide "true" zero-down payment mortgages: How To Buy a House With No Money Down | $0 Down Loans
The Reality of Buying a House Without a Down Payment As of 2026, the long-held belief that a 20% down payment is necessary to buy a home is increasingly viewed as a myth. While most traditional loans require some upfront investment, several government-backed and specialized programs allow eligible buyers to finance up to , effectively requiring no down payment. Primary Zero-Down Mortgage Options can you buy a house without a down payment