Buying a home with no money down is possible in 2026 through specific government-backed programs and private lender initiatives. While traditional conventional loans often require at least 3% to 5% down, you can achieve 100% financing if you meet certain military, geographical, or income criteria. Primary No-Down-Payment Loan Programs
Two major federal programs offer a "true" zero-down payment option where the borrower can finance 100% of the home's purchase price. No-Down Payment Mortgages - Bankrate loans for buying a house with no down payment