: Reserved for military service members, veterans, and eligible surviving spouses. No Down Payment : Finance up to 100% of the home's value.
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
: Available for low-to-moderate-income buyers in USDA-eligible rural and suburban areas . Eligibility : Roughly 97% of U.S. land is eligible. : Reserved for military service members, veterans, and
: A second mortgage with 0% interest and no monthly payments, often forgiven if you live in the house for 5–10 years. : A second mortgage with 0% interest and
: "Free money" that doesn't need to be repaid (e.g., Bank of America's Home Grant offers up to $7,500).
: In exchange for a slightly higher interest rate, some lenders will pay for your closing costs. ⚠️ Important Trade-offs to Consider
: Many lenders accept scores starting at 580–620 .