If you don't qualify for VA or USDA loans, you can use "stackable" assistance to reach a zero-down effect with other loan types:
: Many states offer grants (like CHFA ) or forgivable loans that cover the 3%–3.5% requirement for FHA or Conventional loans. buying a house with zero down
: Available to eligible military members, veterans, and certain surviving spouses. These offer $0 down and do not require monthly private mortgage insurance (PMI), though they usually involve an upfront funding fee. If you don't qualify for VA or USDA
Buying a home with zero down is entirely possible through specific government-backed programs and specialized assistance options. While these eliminate the standard 20% down payment, most still require you to cover closing costs, inspections, and escrow deposits. and escrow deposits.