If you do not qualify for the programs above, you can often reach a "zero-down" threshold by combining lower-down-payment loans with other forms of assistance:
While 20% is often cited as the gold standard for a down payment, it is far from a requirement. For qualified buyers, 2026 mortgage programs like VA Loans and USDA Loans allow for 0% down. options for buying a house with no down payment
: Available to veterans, active-duty service members, and eligible surviving spouses. They feature no monthly mortgage insurance and flexible credit requirements. If you do not qualify for the programs