If you don't qualify for VA or USDA loans, you can use a "low-down" loan and cover the requirement with assistance. How to buy a house with no money down | Rocket Mortgage
: Aimed at low-to-moderate-income buyers in "eligible rural areas". In 2026, the definition of rural is broad, covering roughly 97% of U.S. land, including many suburban neighborhoods. As of early 2026, income limits for most locations are around $119,850 for a 1–4 person household. 2. Stacking Low-Down Loans with Assistance buying a house with no money
The most direct way to buy with no money down is through one of two federal programs that offer . If you don't qualify for VA or USDA