: Some lenders require you to have 1 to 3 months of mortgage payments sitting in a bank account after closing to prove you will not immediately default.

If you cannot find a zero-down loan, you can combine a low down payment loan with financial gifts from approved sources [1].

: Guaranteed by the Department of Veterans Affairs [1, 2]. Available to active-duty service members, veterans, and eligible surviving spouses [2]. They require no down payment and no monthly mortgage insurance [1, 2].