How Can I Buy A Home With No Down Payment May 2026

By the end of the year, both Alex and Jordan were hosting housewarming parties in living rooms they owned, without having spent years saving for a 20% down payment.

Alex had served in the military. Because of this service, Alex was eligible for a VA Loan , which allows veterans and active-duty members to buy a home with 0% down . how can i buy a home with no down payment

: Like Alex, she put $0 down , though she did have to pay a small annual guarantee fee. By the end of the year, both Alex

: They asked the sellers to pay their closing costs in exchange for a slightly higher offer price. : Like Alex, she put $0 down ,

: He didn't have to pay monthly private mortgage insurance (PMI), saving him hundreds every month.

Once upon a time, two friends, Alex and Jordan, dreamed of owning homes but had zero savings for a down payment. They took two very different paths to reach their goal.

: Alex opted for a slightly higher interest rate, and in return, the lender paid his upfront fees. Summary of No-Down-Payment Options Requirement VA Loan Veterans & Military Service history + Certificate of Eligibility USDA Loan Rural/Suburban Buyers Household income below 115% of area median DPA Programs First-time Buyers Local/State grants that cover the down payment NACA Program Lower-income Buyers No down payment or closing costs; requires counseling