How To Buy A House Without Money Down -

: Aimed at low-to-moderate-income buyers in eligible rural and suburban regions. To qualify in 2026, household income for a 1-4 person family generally cannot exceed $119,850 in many areas.

: Available to veterans, active-duty service members, and eligible surviving spouses. These loans offer 100% financing and do not require private mortgage insurance (PMI), which can save hundreds monthly. how to buy a house without money down

If loan programs alone aren't enough, buyers often use these additional methods: : Aimed at low-to-moderate-income buyers in eligible rural

The most direct routes to a 0% down payment are through federal programs designed for specific populations: active-duty service members

: Loans that only require repayment when you sell or refinance the home.