Buying a home with zero down payment is a strategic process that involves leveraging specific government-backed programs or stacking state-level assistance with standard loans. As of 2026, there are two primary paths to a true 100% financing mortgage, alongside several creative alternatives for those who don't fit those specific criteria.
These programs allow you to finance the entire purchase price without a traditional down payment. Federal Housing Administration
Buying a home with zero down payment is a strategic process that involves leveraging specific government-backed programs or stacking state-level assistance with standard loans. As of 2026, there are two primary paths to a true 100% financing mortgage, alongside several creative alternatives for those who don't fit those specific criteria.
These programs allow you to finance the entire purchase price without a traditional down payment. Federal Housing Administration