Buying A: House Without A Downpayment

: FHA loans normally require 3.5% down for credit scores of 580+. However, lenders like Guild Mortgage offer programs that combine an FHA loan with a forgivable second mortgage to cover the 3.5% requirement.

: Their "Destination Home Mortgage" offers 0% down in eligible counties for borrowers with a FICO score as low as 600. Critical Costs Beyond the Down Payment buying a house without a downpayment

: You can negotiate for the seller to pay some or all of these costs (up to 3% for conventional, 4% for VA, and 6% for FHA/USDA). : FHA loans normally require 3

: Includes a 1% upfront guarantee fee and a 0.35% annual fee. "Near-Zero" and Stacked Options Critical Costs Beyond the Down Payment : You

: Offers specialized zero-down options like the "Military Choice" and "Homebuyers Choice" mortgages for members.

Buying a house without a down payment in 2026 is primarily possible through specific government-backed programs or strategic financial combinations. While the traditional 20% down payment is often cited, the median for first-time buyers in 2025 was actually . True zero-down options exist but are restricted by military service or geographic location. True Zero-Down Payment Programs