Buying a home with no down payment in 2026 is entirely possible through several government-backed programs and creative financing strategies. The most common paths include specialized loan types like and USDA loans, as well as the use of down payment assistance (DPA) grants and gift funds . True Zero-Down Mortgage Programs
There are two primary loan programs that allow for without a traditional down payment: How to Buy Your First Home Without a Down Payment how to buy a house with no down payment