The two most common "true" zero-down mortgages are federally insured, meaning the government "has your back" if you default, which allows private lenders to offer 100% financing. How To Buy a House With No Money Down | $0 Down Loans
Buying a home with is possible through specific government-backed loans or by layering standard loans with down payment assistance (DPA) programs. While these options remove the immediate hurdle of a large cash deposit, they often come with trade-offs like higher monthly payments or strict eligibility rules. Core Zero-Down Loan Options