Without A Downpayment | Buying A House

: Offers specialized zero-down options like the "Military Choice" and "Homebuyers Choice" mortgages for members.

: Includes a 1% upfront guarantee fee and a 0.35% annual fee. "Near-Zero" and Stacked Options buying a house without a downpayment

Buying a house without a down payment in 2026 is primarily possible through specific government-backed programs or strategic financial combinations. While the traditional 20% down payment is often cited, the median for first-time buyers in 2025 was actually . True zero-down options exist but are restricted by military service or geographic location. True Zero-Down Payment Programs : Offers specialized zero-down options like the "Military