: These are often 0% interest second mortgages that are completely forgiven after living in the home for a set period, typically 5–10 years.

Loans exceeding conforming limits; stricter credit/reserve requirements. Down Payment Assistance (DPA)

First-time buyers or income-qualified applicants with good credit. 3.5%

Buyers with credit scores of 580+ (10% down required for scores 500–579). 10%–20%

: Programs like Mortgage Credit Certificates (MCCs) can reduce your federal income tax to help with affordability. Key Considerations for 2026 How To Buy a House With No Money Down | $0 Down Loans

There are over 2,000 assistance programs nationwide that provide grants or low-interest loans to help cover upfront costs.

No, you do not need a traditional 20% down payment to buy a house in 2026. While 20% is often recommended to avoid Private Mortgage Insurance (PMI) and lower monthly payments, many loan programs allow for down payments as low as 0% to 3.5%. Minimum Down Payment by Loan Type Minimum Down Payment Typical Eligibility 0% Active-duty military, veterans, and eligible spouses. USDA Loan 0%