Buying A House Without A Downpayment Apr 2026

Even with a 0% down payment, you must plan for , which typically range from 2% to 5% of the purchase price.

Only two major federal programs consistently offer financing for qualified individuals: buying a house without a downpayment

: You can negotiate for the seller to pay some or all of these costs (up to 3% for conventional, 4% for VA, and 6% for FHA/USDA). Even with a 0% down payment, you must

: Exclusive to veterans, active-duty service members, and eligible surviving spouses. Even with a 0% down payment

If you do not qualify for the above, you can often reach a 0% effective down payment by stacking low-down-payment loans with assistance: