Ways To Buy A Home With No Money Down -

Exclusively for veterans, active-duty service members, and eligible surviving spouses. These loans offer 100% financing with no private mortgage insurance (PMI) and typically require a credit score between 580 and 620.

Buying a home with no money down is possible through specific government-backed loans, down payment assistance (DPA) programs, and specialized lender products. As of 2026, the most reliable paths for 0% down are VA loans for military members and USDA loans for rural or suburban buyers. Core No-Down-Payment Loan Programs ways to buy a home with no money down

Targeted at low-to-moderate income buyers in designated rural or suburban areas. Eligibility is based on income limits (typically $119,850 for a 1-4 person household in 2026) and the home's location. Exclusively for veterans