If you do not qualify for VA or USDA loans, you can use assistance programs to cover the required down payment for other loan types: 2026 USDA Eligibility Map & Rural Property Requirements
: The U.S. Department of Agriculture provides 100% financing for homes in designated rural and some suburban areas. To qualify, household income must generally be at or below 115% of the area's median income , and the property must be used as a primary residence. A credit score of at least 640 is standard, though some lenders accept lower scores. Down Payment Assistance (DPA) and Grants ways to buy a home with no money down
The two most prominent federal programs for zero-down financing are tailored to specific borrower populations or geographic areas: If you do not qualify for VA or
Purchasing a home without a traditional down payment is achievable in 2026 through government-backed programs, specialized grants, and creative financing strategies. While the path to homeownership often emphasizes a 20% down payment, modern options allow qualified buyers to finance up to 100% of a home's purchase price. Government-Backed Zero-Down Mortgages A credit score of at least 640 is
: Backed by the Department of Veterans Affairs, these loans offer 0% down and no monthly mortgage insurance for active-duty service members, veterans, and eligible surviving spouses. Borrowers must obtain a Certificate of Eligibility (COE) and typically meet a credit score requirement between 580 and 620 .