Buying a home with no money down is possible in 2026 through specific government-backed programs and financial strategies. While traditional conventional loans often require at least 3% to 5% down, certain buyers can finance . 1. Government-Backed Zero-Down Programs
: Reserved for military service members, veterans, and eligible surviving spouses . can buy a house with no money down
There are two primary federal mortgage programs that allow for a true $0 down payment: Buying a home with no money down is