Buying A House Without A Downpayment (2026)

: Designed for low-to-moderate-income buyers in "rural" areas.

: Includes a 1% upfront guarantee fee and a 0.35% annual fee. "Near-Zero" and Stacked Options buying a house without a downpayment

: A one-time VA funding fee applies (ranging from 1.4% to 3.6%), which can be rolled into the loan amount. : FHA loans normally require 3

: FHA loans normally require 3.5% down for credit scores of 580+. However, lenders like Guild Mortgage offer programs that combine an FHA loan with a forgivable second mortgage to cover the 3.5% requirement. While the traditional 20% down payment is often

Buying a house without a down payment in 2026 is primarily possible through specific government-backed programs or strategic financial combinations. While the traditional 20% down payment is often cited, the median for first-time buyers in 2025 was actually . True zero-down options exist but are restricted by military service or geographic location. True Zero-Down Payment Programs

: Approximately 97% of U.S. land mass is eligible, including many suburban towns outside major metros.

Buying a house without a down payment | Multi-Prêts Mortgages