Buying your first home without a traditional 20% down payment is not only possible but increasingly common in 2026. While most loans require some "skin in the game," specific government-backed programs and creative strategies can get you to the closing table with zero dollars down. 1. True $0 Down Government Programs
Only two major loan types allow for a genuine $0 down payment. These programs are backed by the federal government to encourage homeownership for specific groups and locations. Single Family Housing Programs - USDA Rural Development