{"id":98311,"date":"2026-04-06T09:17:42","date_gmt":"2026-04-06T16:17:42","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=98311"},"modified":"2026-06-23T15:00:48","modified_gmt":"2026-06-23T22:00:48","slug":"how-to-buy-a-house-with-no-money-down","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/how-to-buy-a-house-with-no-money-down\/","title":{"rendered":"How to Buy a House with No (or Very Little) Money Down in 2026"},"content":{"rendered":"<h2><span style=\"font-weight: 400;\">Key takeaways<\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>USDA and VA loans<\/b><span style=\"font-weight: 400;\"> offer zero-down payment options for qualified buyers..<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Low-down-payment loans<\/b><span style=\"font-weight: 400;\"> are available if you don\u2019t qualify for zero-down options.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Using a no-down-payment loan can help you become a homeowner sooner, but they still come with upfront costs.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">One of the biggest hurdles to becoming a homeowner is saving enough money for a down payment. While it\u2019s a common myth that you need a 20% down payment, there are loan options that allow for much lower\u2014or even zero\u2014down payments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you\u2019re looking to buy a <\/span><a href=\"https:\/\/www.redfin.com\/city\/30772\/OR\/Portland\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">home in Portland, OR<\/span><\/a><span style=\"font-weight: 400;\">, or a <\/span><a href=\"https:\/\/www.redfin.com\/city\/13415\/TN\/Nashville\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">condo in Nashville, TN<\/span><\/a><span style=\"font-weight: 400;\">, here\u2019s what to know about buying a house with little to no money down, including the loan options available and how to qualify.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Can you buy a house with no money down?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Yes, you can buy a house with no down payment if you qualify for a VA or USDA loan. However, keep in mind that you\u2019ll still need to cover closing costs and other upfront expenses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, if you\u2019re a first-time homebuyer, there are programs available to help make buying a home more affordable. A first-time home buyer is usually classified as someone who has never purchased a home before or has not owned a home in the last three years.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How do zero-down mortgage loans work?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A zero-down mortgage loan is a <\/span><a href=\"https:\/\/www.redfin.com\/blog\/types-of-mortgage-loans\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">type of loan<\/span><\/a><span style=\"font-weight: 400;\"> that doesn\u2019t require you to make a down payment. Instead, you can finance the full purchase price of the home.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Down payments are due during closing, and lenders calculate them as a percentage of the home\u2019s purchase price. With a zero-down mortgage, that upfront percentage is not required.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">No-down-payment loans are government-backed loans. That means they\u2019re insured by the federal government, unlike conventional loans that are backed by private institutions like banks. VA and USDA loans are the two primary loan types that offer zero-down payment mortgages.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Loan options for a no-down-payment mortgage\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As mentioned above, VA and USDA loans offer no-down-payment mortgages, but they have strict qualifications. Let\u2019s explore their requirements.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">VA loans<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">VA loans are backed by the Department of Veterans Affairs. Active duty service members, veterans, past or current members of the National Guard or Reserve, spouses of deceased veterans, and other beneficiaries who meet eligibility criteria can apply for VA home loans.\u00a0<\/span><\/p>\n<p><b>What you need to qualify<\/b><\/p>\n<ul>\n<li><a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/how-to-request-coe\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><b>Certificate of Eligibility (CoE)<\/b><\/a><span style=\"font-weight: 400;\">, which certifies you meet the service requirements. You can apply for one via mail or online.\u00a0<\/span><\/li>\n<li><b>Zero-down payment<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<li><b>A credit score of at least 580 &#8211; 620<\/b><span style=\"font-weight: 400;\">, but this varies by lender.\u00a0<\/span><\/li>\n<li><b>Debt-to-income ratio at or below 40%<\/b><\/li>\n<li><a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/funding-fee-and-closing-costs\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><b>One-time funding fee<\/b><\/a><span style=\"font-weight: 400;\">, ranging from 1.25 to 3.3% of the loan amount. It\u2019s only needed if you have a down payment below 5%, as it replaces the need for mortgage insurance.\u00a0<\/span><\/li>\n<li><b>Homes must meet VA inspection requirements<\/b><span style=\"font-weight: 400;\">, called <\/span><a href=\"https:\/\/www.redfin.com\/blog\/va-minimum-property-requirements\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">minimum property requirements (MPRs)<\/span><\/a><span style=\"font-weight: 400;\">, that make sure a home meets certain structural or safety standards.\u00a0\u00a0<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">USDA loans<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Backed by the U.S. Department of Agriculture, USDA loans can be a great option for those living in certain rural or suburban areas. The USDA offers loans that allow for 100 percent financing, meaning borrowers can put zero dollars down and finance the entire purchase price.\u00a0<\/span><\/p>\n<p><b>What you need to qualify<\/b><\/p>\n<ul>\n<li><b>Homes must be located in an eligible area<\/b><span style=\"font-weight: 400;\">. <\/span><span style=\"font-weight: 400;\">You can use the<\/span><a href=\"https:\/\/eligibility.sc.egov.usda.gov\/eligibility\/welcomeAction.do\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"> <span style=\"font-weight: 400;\">USDA Eligibility map<\/span><\/a><span style=\"font-weight: 400;\"> to see whether your location or home qualifies. Areas not marked in orange are considered rural areas, which account for nearly 97% of the country.<\/span><\/li>\n<li><b>Zero-down payment<\/b><\/li>\n<li><b>A credit score of at least 640<\/b><span style=\"font-weight: 400;\">, but some lenders accept scores between 580 and 620.<\/span><\/li>\n<li><b>Debt-to-income ratio at or below 40%<\/b><\/li>\n<li><b>Income must not exceed 115% of the area\u2019s median income<\/b><span style=\"font-weight: 400;\">. USDA loans are aimed at helping low-to-moderate-income homebuyers purchase a property.\u00a0\u00a0<\/span><\/li>\n<li><b>The <\/b><b>home cannot be a working farm<\/b><span style=\"font-weight: 400;\">; it has to be a primary residence that you live in.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Low down payment loans and alternatives<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Not every homebuyer will qualify for a zero-down mortgage. However, there are still loan options and programs that help lower your down payment and make homebuying more affordable.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">FHA loans<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Backed by the Federal Housing Authority, FHA loans offer down payments as low as 3.5% if your credit score is at least 580. If your credit score is between 500 and 579, your down payment will be 10%.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">FHA loans with a lower down payment require <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-mortgage-insurance\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">mortgage insurance premiums (MIP)<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Conventional loans<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Conventional loans are backed by private lenders, like banks, not the government. You can make a down payment as low as 3% with a conventional loan. You\u2019ll need to have a credit score of at least 620, with some lenders recommending 700, and a lower DTI.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your down payment is below 20%, you\u2019ll also need to pay <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-pmi-insurance\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">private mortgage insurance (PMI)<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Down payment assistance programs<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">There are plenty of assistance programs aimed at helping buyers purchase a home. The most common types of <\/span><a href=\"https:\/\/www.redfin.com\/blog\/down-payment-assistance-programs\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">down payment assistance programs<\/span><\/a><span style=\"font-weight: 400;\"> are loans, grants, and credits. Many of these programs cater to <\/span><a href=\"https:\/\/www.redfin.com\/guides\/first-time-home-buyer-programs\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">first-time homebuyers<\/span><\/a><span style=\"font-weight: 400;\">, but each state, city, and county is unique. Your <\/span><a href=\"https:\/\/www.redfin.com\/real-estate-agents\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">real estate agent<\/span><\/a><span style=\"font-weight: 400;\"> will be able to help you determine which programs you qualify for and whether you\u2019re a first-time homebuyer.<\/span><\/p>\n<div class=\"ast-oembed-container \" style=\"height: 100%;\"><iframe title=\"How Can I Buy a House with No Down Payment? | Redfin #realestate\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/og7QH0gn0mk?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<h2><span style=\"font-weight: 400;\">Pros and cons of a zero-down mortgage<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As a first-time homebuyer, a zero-down mortgage can make the path to homeownership that much easier. However, there are pros and cons to consider.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Pros of a no-down-payment loan<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Becoming a homeowner faster: <\/b><span style=\"font-weight: 400;\">You won\u2019t have to spend additional time saving up for a higher down payment.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Financial flexibility: <\/b><span style=\"font-weight: 400;\">You can use your savings for other needs or investing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lower credit and income requirements:<\/b><span style=\"font-weight: 400;\"> With VA and USDA loans, your credit and income don\u2019t have to be perfect to become a homeowner.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Cons of a no-down-payment loan<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Higher interest rates: <\/b><span style=\"font-weight: 400;\">Rates may be higher compared to loans with larger down payments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Higher monthly payments: <\/b><span style=\"font-weight: 400;\">Higher rates and mortgage insurance can increase monthly costs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No immediate equity: <\/b><span style=\"font-weight: 400;\">Without a down payment, you\u2019ll start with minimal equity in the home.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Is buying a house with no money down right for me?<\/span><\/h2>\n<p><a href=\"https:\/\/www.redfin.com\/blog\/how-much-down-payment-for-a-house\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">How much you put down on a house<\/span><\/a><span style=\"font-weight: 400;\"> varies depending on your finances, goals, and more. When it comes to buying a house with no money down, it also heavily depends on whether you qualify for those loans. Even if you don\u2019t qualify for a zero-down payment mortgage, FHA loans and down payment assistance programs may help you become a homeowner.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">FAQs about buying a house with no down payment<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">What is a down payment?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A down payment is the first payment you make towards your home. For example, a 20% down payment on a $400,000 home is $80,000.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Do I still need to pay closing costs with a zero-down mortgage?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, VA and USDA loans still require you to pay closing costs. You may also qualify for closing cost assistance programs that help reduce the cost you owe.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What credit score do I need for a no-down-payment loan?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">VA loans typically require a credit score between 580 and 620, but it depends on the lender. USDA loans usually require at least a 640 credit score, although some lenders may accept lower scores between 580 and 620.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying a house with no money down is possible with a VA or USDA loan. Learn more about zero-down payment mortgages and if you qualify. <\/p>\n","protected":false},"author":537,"featured_media":83677,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34276],"tags":[34629,34617,34642],"coauthors":[33440],"class_list":["post-98311","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-home","tag-first-time-homebuyer","tag-home-buying-process","tag-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Buying a House with No Money Down in 2026 | Redfin<\/title>\n<meta name=\"description\" content=\"Buying a house with no money down is possible with a VA or USDA loan. 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