0% Down
True no-money-down purchase programs.
Several programs make it possible to buy with little to nothing out of pocket — from VA and USDA eligibility to down-payment assistance and specialty zero-down structures. We'll match you with the no-down path you actually qualify for.
Key highlights
- No-down options for eligible buyers
- Down-payment assistance programs
- Pair with seller credits to cut closing costs
- Gift funds permitted on many programs
- Keep your savings intact
- Buyers with strong income but limited savings
- Eligible veterans and rural buyers
- First-time buyers using assistance programs
Buying a home is a big step, but saving for a down payment is one of the hardest parts for many people. Traditional loans often require 20% down. With 0% down financing it's possible to buy a home without paying anything upfront — especially useful for first-time buyers and anyone without large savings.
What is 0% down financing?
0% down financing is a loan that covers the full price of the home, so you don't put any money down at closing. It's typically available through special programs or government-backed options, making homeownership accessible to people who don't have enough savings for a down payment.
How 0% down financing works
- Full financing
- The loan covers the entire cost of the home — buy a $250,000 home and the lender finances the full $250,000.
- Eligibility
- You still need to meet other requirements like stable income and acceptable credit.
- Repayment
- You pay back the full loan amount in monthly payments, and rates can be slightly higher because there's no down payment cushion.
Types of 0% down financing
Several loan types offer 0% down, each with its own eligibility rules:
- 01VA loans
For military service members, veterans, and their families — backed by the U.S. Department of Veterans Affairs and offering 0% down options.
- 02USDA loans
Backed by the U.S. Department of Agriculture for buyers in qualifying rural and suburban areas — 0% down if you meet the income guidelines.
- 03Conventional 0% down loans
Some lenders offer 0% down options for first-time homebuyers. Stricter credit and income requirements apply, but a strong path for those who qualify.
Benefits
- 01No down payment
The biggest benefit — homeownership without years of saving for a down payment.
- 02Faster home purchase
No waiting to save means you can act quickly in a competitive housing market.
- 03More money for other costs
Without a down payment, you keep cash on hand for moving costs, repairs, and other expenses.
Drawbacks to be aware of
- 01Higher monthly payments
Borrowing the full price means a larger monthly payment and more interest paid over the life of the loan.
- 02No starting equity
With no money down, you begin with zero equity — if values dip, you could owe more than the home is worth.
- 03Possible PMI
Some 0% down loans require private mortgage insurance, which adds to the monthly payment.
Who should consider 0% down
- First-time homebuyers
- Buying your first home without the savings for a down payment — this can be the bridge that makes it possible.
- Military veterans or active duty
- VA loans are available to those who've served and offer 0% down payment options.
- Buyers in rural areas
- If you're buying in a rural or qualifying suburban area, USDA loans can finance the full purchase with no down payment.
Is 0% down right for you?
Three honest questions to ask yourself before going this route:
- Can you comfortably handle the higher monthly payment?
- Do you have stable income and acceptable credit?
- Are you prepared for the possibility of paying PMI?
If the answer to all three is yes, 0% down financing could be the right path. The fastest way to know what you qualify for is a quick conversation — Warren will match you to the specific 0% down program that fits your file.
Educational guidance only. Loan terms, eligibility, and pricing are subject to lender underwriting, program guidelines, and approval.
Ready to explore a 0% Down loan?
One quick call with Warren and you'll know exactly what you qualify for — no obligation, no call center.