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
Only two major federal programs consistently offer financing for qualified individuals: buying a house without a downpayment
Even with a 0% down payment, you must plan for , which typically range from 2% to 5% of the purchase price. Buying a house without a down payment in
If you do not qualify for the above, you can often reach a 0% effective down payment by stacking low-down-payment loans with assistance: True Zero-Down Payment Programs Only two major federal
: Exclusive to veterans, active-duty service members, and eligible surviving spouses.
: State and local agencies offer grants or deferred-payment loans specifically to cover upfront costs. For example, the Illinois Housing Development Authority has programs providing up to $10,000 in assistance. Lender-Specific Programs :