How To Buy A House Without A Down Payment Apr 2026

Available to veterans, active-duty service members, and eligible surviving spouses. These offer 0% down and no private mortgage insurance (PMI).

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A larger loan balance means higher interest charges over time. Available to veterans

The most common way to buy with no money down is through federal loan programs designed for specific groups. active-duty service members

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

If home values drop, you could quickly owe more than the house is worth (being "underwater").

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