Want To Buy A House With No Money Down -

: You start with zero equity. If home prices dip, you could immediately owe more than the house is worth (negative equity).

: You can negotiate for the seller to pay your closing costs (typically 3%–5% of the loan amount), which significantly reduces your initial cash need.

: Determined by your ability to repay rather than a fixed cap.

: Reserved for military service members, veterans, and eligible surviving spouses. No Down Payment : Finance up to 100% of the home's value.

: In exchange for a slightly higher interest rate, some lenders will pay for your closing costs. ⚠️ Important Trade-offs to Consider

Buying a house with no money down is entirely possible in 2026 through specific government-backed loans and financial strategies designed to eliminate the standard 20% down payment. 🏠 Primary Zero-Down Mortgage Options

⭐ : Check your state's specific Housing Finance Agency (HFA) website; they often have 2026 updates for first-time buyer grants that are not advertised on national sites.

: Typically requires a minimum score of 640 .