Buying A House Without A Downpayment Access

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

: Most programs allow family members to "gift" you the money needed for closing costs, provided you have a formal gift letter stating it doesn't need to be repaid. Program Type Min. Down Payment Typical Min. Credit Score Income/Location Limits VA Loan 580–620+ None (Service-based) USDA Loan 640 (Streamlined) Yes (Location & Income) FHA Loan 580 (for 3.5% down) Conventional Some programs only buying a house without a downpayment

: Total household income generally cannot exceed 115% of the area median ($119,850 for a family of 1–4 in most areas). : Offers specialized zero-down options like the "Military

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 Down Payment Typical Min

: A one-time VA funding fee applies (ranging from 1.4% to 3.6%), which can be rolled into the loan amount.

: Designed for low-to-moderate-income buyers in "rural" areas.