: Standard FHA loans require 3.5% down, but many buyers "stack" these with State and Local Grants or forgivable second mortgages to cover the entire upfront cost. Specialized Lender Programs :
: Allows for a 1% down payment, with the lender providing a 2% non-repayable grant to reach the required equity. options for buying a house with no down payment
While 20% is often cited as the gold standard for a down payment, it is far from a requirement. For qualified buyers, 2026 mortgage programs like VA Loans and USDA Loans allow for 0% down. : Standard FHA loans require 3
These government-backed programs are the only major loan types that inherently require no down payment: options for buying a house with no down payment