Buying And Selling Homes With No Money May 2026

Most zero-down payment options are specialized government-backed programs or creative financing arrangements. :

: Available to veterans, active-duty members, and some surviving spouses. These offer 100% financing with no private mortgage insurance (PMI). buying and selling homes with no money

: Designed for low-to-moderate-income buyers in eligible rural and suburban areas. These also allow for 0% down payment. buying and selling homes with no money

: You can negotiate for the seller to pay some or all of your closing costs (typically up to 3–6% of the loan amount), which reduces the cash you need at the table. Selling a Home with No Out-of-Pocket Costs buying and selling homes with no money

: Combines an FHA loan with a second mortgage to cover the 3.5% down payment requirement.