Buying a house with "no money" is possible through specific government-backed programs and creative financing strategies. While a traditional 20% down payment is often cited, many buyers in 2026 are using zero-down loans to enter the market years earlier than expected.
The most direct way to buy with no money down is through one of two federal programs that offer . buying a house with no money
If you don't qualify for VA or USDA loans, you can use a "low-down" loan and cover the requirement with assistance. How to buy a house with no money down | Rocket Mortgage Buying a house with "no money" is possible