7 Zero Down Payment Mortgage Programs That Can Get You Into a Home Without a Down Payment

7 Zero Down Payment Mortgage Programs That Can Get You Into a Home Without a Down Payment

Several legitimate zero down payment mortgage programs — including VA loans, USDA loans, and state-level down payment assistance — let qualified buyers purchase a home with nothing down at closing. This guide breaks down seven program strategies, who qualifies for each, and why comparing offers across multiple wholesale lenders (with no hard pull) is just as critical as choosing the right program.