If you don't qualify for zero-down options, these programs require minimal cash up front: Can You Buy a House with No Money Down? | PNC Insights
Buying a home with little to no money down is entirely possible in 2026 through government-backed loans, specialized conventional programs, and down payment assistance (DPA). While the traditional 20% down payment is often recommended to avoid extra fees, the median down payment in 2024 was actually closer to 18%. buying a house with little money down
: Reserved for active-duty military, veterans, and eligible surviving spouses. They require $0 down and have no monthly mortgage insurance. If you don't qualify for zero-down options, these
These programs allow you to finance 100% of the home's purchase price: : Reserved for active-duty military, veterans, and eligible
: Some lenders, such as Navy Federal Credit Union, offer 100% financing for qualified members. Programs like Guild Mortgage’s Zero Down combine an FHA loan with a forgivable second mortgage to eliminate the down payment. Low-Down Payment Mortgages