Options For Buying A House With No Down Payment May 2026

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:

: Allows for a 1% down payment, with the lender providing a 2% non-repayable grant to reach the required equity. options for buying a house with no down payment

: Designed for low-to-moderate income buyers in designated rural and suburban areas—which account for roughly 97% of the U.S. land mass. Household income generally cannot exceed 115% of the area's median income. 2. Assistance & "Stacking" Strategies If you do not qualify for the programs