How To Buy A House Without A Down Payment Apr 2026

Many city or state housing authorities offer grants that do not need to be repaid.

Unless using a VA loan, you will likely pay monthly PMI or a funding fee.

The most common way to buy with no money down is through federal loan programs designed for specific groups. how to buy a house without a down payment

FHA and conventional loans allow you to use "gifted" money from family members to cover the entire down payment.

Some local credit unions offer 100% financing options for first-time buyers with strong credit scores. ⚠️ Important Considerations Many city or state housing authorities offer grants

Second mortgages that are forgiven if you live in the home for a set period (usually 5–10 years).

Loans that don't require repayment until you sell the home or refinance. 🤝 Alternative Strategies FHA and conventional loans allow you to use

If government programs aren't an option, consider these professional or personal workarounds.

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