Buying A House With Zero Down May 2026

: Available to eligible military members, veterans, and certain surviving spouses. These offer $0 down and do not require monthly private mortgage insurance (PMI), though they usually involve an upfront funding fee.

: Designed for low-to-moderate-income buyers in designated rural and some suburban areas. They offer 100% financing with no down payment requirement, provided the property is in an eligible USDA area . buying a house with zero down

If you don't qualify for VA or USDA loans, you can use "stackable" assistance to reach a zero-down effect with other loan types: : Available to eligible military members, veterans, and

: Newer pilot programs, such as those in Michigan or California , offer up to $25,000–$150,000 for buyers whose parents have not owned a home recently. They offer 100% financing with no down payment

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