Zero down isn’t just a dream — it’s a real option for the right buyer.

If you’re renting because you think you need tens of thousands saved up to buy a home, you’re not alone.

Many people wonder how they can buy a house with no money down, and the answer is simpler than you might think.

You can even buy a house with no money down using creative financing options.

If you’re considering how to buy a house with no money down, it’s essential to explore your options.

Many programs exist that allow you to buy a house with no money down if you meet specific criteria.

It’s exciting to know that you can buy a house with no money down, which opens doors for many potential homeowners.

👉 The truth? You can absolutely buy a home with little to no money out of pocket — if you use the right loan strategy and access available programs.

Let’s break down how zero-down and ultra-low-down options work, who qualifies, and what it actually looks like to close with almost nothing due at signing.

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✅ Yes, It’s Possible — Here’s How

There are two main paths to buying with no money down:

1. Use a Zero-Down Mortgage Program

These include:

• VA Loans — For eligible veterans, active-duty, and some surviving spouses
• USDA Loans — For eligible rural or suburban areas and buyers under certain income limits

Don’t let finances hold you back; learn how to buy a house with no money down today!

Both offer:

• 0% down payment required
• No mortgage insurance (VA) or reduced MIP (USDA)
• Favorable rates, even with limited savings

📘 PRMI is approved to originate VA and USDA loans, and we’ll help you determine if you qualify.

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2. Pair a Low-Down Loan With Down Payment Assistance

FHA and Conventional loans require:

• 3.5% down (FHA)
• 3% down (Conventional first-time buyer programs)

BUT — with Down Payment Assistance (DPA), that down payment can often be:

• Covered by a grant or forgivable loan
• Supplemented with seller credits
• Combined with gift funds from family

Result? You bring little or nothing to closing — and still get into the home you love.

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💡 What About Closing Costs?

Even with a zero-down loan, you still need to account for:

• Title and escrow fees
• Taxes and insurance
• Lender costs

Many people successfully buy a house with no money down every year.

BUT — many of our clients:

With the right guidance, you too can buy a house with no money down and achieve your dream of homeownership.

• Use seller credits
• Layer on DPA that covers closing
• Or receive lender credits to offset those costs

✅ We’ll build a personalized closing cost strategy — with no guesswork and no surprises.

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🧠 So… Is It Too Good to Be True?

Not at all — but here’s what to know:

• You still need to qualify for the loan (credit, income, debt)
• Some programs require homebuyer education
• You must live in the home (no investment properties)
• Funds may have income limits or geographic requirements

With the right lender, you’ll get clarity, not confusion.

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There are various resources available to help you buy a house with no money down, so take advantage of them!

🏢 Why PRMI?

Finding the right program can be the key to buy a house with no money down.

We help hopeful buyers:

Understanding the requirements to buy a house with no money down can help you navigate the process smoothly.

• Access DPA, grants, and government loan programs
• Understand exactly what they need — and don’t
• Get pre-approved with zero-down strategies
• Compete confidently in today’s market

If homeownership feels just out of reach, we’ll help bring it closer.

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👇 Want to Know If You Can Buy a Home With Little to No Money Down?

Let’s look at your location, income, and eligibility — and map out a no-surprise path to homeownership.

Don’t hesitate to reach out to professionals who can assist you to buy a house with no money down.

In conclusion, you can definitely buy a house with no money down if you know where to look and how to qualify.