Can You Buy A House With No Money Down (2026)

True zero-down options are generally limited to specific groups or geographic areas:

If you do not qualify for the above, you can still technically buy with no money out-of-pocket using these strategies: How to buy a home with no money down - Chase Bank

: Reserved for military service members , veterans, and eligible spouses. can you buy a house with no money down

Yes, you can buy a house with no money down through specific government-backed programs and creative financing strategies. One interesting feature of these programs is that "no money down" typically refers only to the ; most buyers still need to cover upfront closing costs , which usually range from 2% to 6% of the home's purchase price. Core Zero-Down Mortgage Programs

: Some lenders offer $0-down programs for medical professionals , recognizing their high earning potential despite significant student loan debt. Creative Ways to Achieve $0 Down True zero-down options are generally limited to specific

: Available for low-to-moderate-income buyers in eligible rural and some suburban areas .

: Approximately 97% of U.S. land mass is geographically eligible for USDA financing. Core Zero-Down Mortgage Programs : Some lenders offer

: Unlike almost all other low-down-payment loans, VA loans do not require private mortgage insurance (PMI) , potentially saving borrowers hundreds of dollars monthly.