: Available for low-to-moderate-income buyers in USDA-eligible rural and suburban areas . Eligibility : Roughly 97% of U.S. land is eligible.
: Many lenders accept scores starting at 580–620 .
If you don't meet the criteria for the loans above, you can stack these strategies to reach a $0 out-of-pocket goal. want to buy a house with no money down
: While the down payment may be zero, you still need to plan for "earnest money" deposits, inspections, and appraisal fees.
: State and local agencies offer grants or forgivable loans to cover the 3%–3.5% required by FHA or conventional loans. : Many lenders accept scores starting at 580–620
💡 Strategies to Reach "Zero Down" (When You Don't Qualify for VA/USDA)
: Generally capped at 115% of the area's median income (e.g., $119,850 for a 1-4 person household in most areas). : State and local agencies offer grants or
: You start with zero equity. If home prices dip, you could immediately owe more than the house is worth (negative equity).