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Can I buy a house with no money down?

Short answerYes, with a VA loan (eligible military) or a USDA loan (eligible rural areas and incomes). Others combine a low down payment loan with down payment assistance to bring cash to close near zero.

Reviewed by Juan Fernando Romero, NMLS 2557318Updated October 14, 2026

Related loan programs

Home loan

VA Loans

A VA loan is a mortgage guaranteed by the Department of Veterans Affairs that lets eligible veterans, active-duty service members and certain surviving spouses buy with no down payment and no monthly mortgage insurance.

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Home loan

First-Time Homebuyer Loans

First-time homebuyer loans are mortgage options with low down payments, typically 3% conventional, 3.5% FHA or $0 VA, often paired with state or local down payment assistance.