{"id":46622,"date":"2020-12-21T09:24:31","date_gmt":"2020-12-21T17:24:31","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=46622"},"modified":"2023-02-14T14:41:12","modified_gmt":"2023-02-14T22:41:12","slug":"how-to-buy-a-house-with-no-money-down","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/mortgages\/zero-down-mortgage\/","title":{"rendered":"How to Buy a House with No Money Down in 2023"},"content":{"rendered":"<p>Coming up with the funds for a down payment poses a major challenge to many aspiring homeowners, especially younger ones. But two types of home loans make it possible to buy a house with no money down \u2014 if you meet certain criteria.<\/p>\n<p><b>Here\u2019s how you can buy a house with no money down:<\/b><\/p>\n<ul>\n<li><a href=\"#what-is-zero-down-mortgage\">What is a zero-down mortgage?<\/a><\/li>\n<li><a href=\"#options-zero-down-mortgage\">Options for a zero-down mortgage<\/a><\/li>\n<li><a href=\"#pros-zero-down-mortgage\">Pros of a zero-down mortgage<\/a><\/li>\n<li><a href=\"#cons-zero-down-mortgage\">Cons of a zero-down mortgage<\/a><\/li>\n<li><a href=\"#low-down-payment-loans-consider\">Low-down-payment loans to consider instead<\/a><\/li>\n<\/ul>\n<p><a name=\"what-is-zero-down-mortgage\"><\/a><\/p>\n<h2>What is a zero-down mortgage?<\/h2>\n<p>A zero-down mortgage is a <a href=\"https:\/\/www.credible.com\/mortgage\">home loan<\/a> that does not require any down payment whatsoever. Only two zero-down mortgages exist: VA mortgages and USDA mortgages. Both are backed by a government guarantee that limits the lender\u2019s potential losses.<\/p>\n<p>It\u2019s risky for a lender to extend a loan for 100% of a home\u2019s purchase price without a government guarantee.<\/p>\n<p>If the borrower wants to stop paying the mortgage and move out, whether because they\u2019ve lost their job or the home has declined in value, there\u2019s little stopping them. All they will lose is their credit reputation and whatever equity they\u2019ve accumulated.<\/p>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/types-of-mortgage-loans\/\"><b><i>5 Types of Mortgage Loans: Which One Is for You?<\/i><\/b><\/a><br \/>\n<a name=\"options-zero-down-mortgage\"><\/a><\/p>\n<h2>Options for a zero-down mortgage<\/h2>\n<p>Both zero-down home loans are restricted to certain borrowers:<\/p>\n<ul>\n<li><b>VA loans<\/b> are only available to certain military service members and veterans.<\/li>\n<li><b>USDA loans<\/b> can only be used by lower-income borrowers to buy homes in areas with a population below 35,000.<\/li>\n<\/ul>\n<p>Both VA and USDA require borrowers to pay a funding fee up front to keep the government\u2019s loan guarantee from being a burden on taxpayers.<\/p>\n<p>The funding fee costs less than a down payment, but it doesn\u2019t give you any equity. If you finance the funding fee, you will also have to pay interest on it.<\/p>\n<p><b>Here\u2019s how some of the basic requirements for these two types of loans compare:<\/b><\/p>\n\n<table id=\"tablepress-499\" class=\"tablepress tablepress-id-499 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><\/td><th class=\"column-2\">VA loan<\/th><th class=\"column-3\">USDA loan<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Min. credit score<\/strong><\/td><td class=\"column-2\">None<\/td><td class=\"column-3\">None<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Max debt-to-income ratio<\/strong><\/td><td class=\"column-2\">None<\/td><td class=\"column-3\">41%<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Income limit<\/strong><\/td><td class=\"column-2\">None<\/td><td class=\"column-3\">Varies by location and household size<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><em><strong>Learn More: <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/va-loan-vs-conventional-loan\/\">VA Loan vs. Conventional Loan: How to Choose<\/a><\/strong><\/em><\/p>\n<h3>VA Loans<\/h3>\n<p>VA loans are backed by the Department of Veteran Affairs. The <a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/eligibility\/\">service requirements for a VA loan<\/a> depend on when you served and whether you were called to active duty. If you\u2019re on active duty now, you qualify after 90 continuous days of service.<\/p>\n<p>VA loans don\u2019t have a <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/credit-score-for-home-loan\/\">minimum credit score<\/a> requirement, and if you <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/buy-house-with-no-credit\/\">don\u2019t have a credit score<\/a>, you may be able to get approved with nontraditional credit.<\/p>\n<p>However, VA lenders may impose their own credit requirements. <a href=\"https:\/\/www.credible.com\/lenders\/veterans-united\/\">Veterans United<\/a>, for example, requires a minimum score of 640.<\/p>\n<p><b>VA loans:<\/b><\/p>\n<ul>\n<li>Don\u2019t have a maximum <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/dti-for-mortgage\/\">debt-to-income ratio<\/a><\/li>\n<li>Can only be used for primary residences<\/li>\n<li>Don\u2019t require <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/mortgage-insurance\/\">mortgage insurance <\/a><\/li>\n<\/ul>\n<p>Most borrowers will need to pay a VA funding fee. The fee amount depends on how much you put down and whether it\u2019s your first time using a VA loan.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>For example: <\/b>If you\u2019re using a VA loan for the first time and putting down less than 5%, you\u2019ll pay a funding fee of 2.3% of the loan amount. Assuming you\u2019re borrowing $120,000 on a zero-down mortgage, then, you\u2019ll pay a funding fee of $2,760.<\/div><\/div>\n<p><b><i>Keep Reading: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-much-down-payment\/\"><b><i>How Much Down Payment Do You Need to Buy a House<\/i><\/b><\/a><\/p>\n<h3>USDA Loans<\/h3>\n<p>Backed by the Department of Agriculture, USDA loans are limited to properties in <a href=\"https:\/\/eligibility.sc.egov.usda.gov\/eligibility\/welcomeAction.do\">eligible rural and suburban areas<\/a>.<\/p>\n<p><b>USDA loans:<\/b><\/p>\n<ul>\n<li>Are restricted to very low-, low-, and moderate-income households; income limits are based on location and household size<\/li>\n<li>Don\u2019t require a minimum credit score<\/li>\n<li>Have a maximum total debt ratio of 41%<\/li>\n<\/ul>\n<p>Like VA loans, USDA loans charge a funding fee that will cost you 1% of the loan\u2019s amount up front and 0.35% of the average principal balance every year.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>USDA funding fee example for a $120,000 fixed-rate mortgage at 4% for 30 years:<\/b><\/p>\n<ul>\n<li><b>Upfront fee: <\/b>$1,200<\/li>\n<li><b>Approximate annual fee, first year: <\/b>$420<\/li>\n<li><b>Approximate annual fee, second year: <\/b>$412<\/li>\n<li><b>Approximate annual fee, 30th year: <\/b>$22<\/li>\n<\/ul>\n<\/div><\/div>\n<a name=\"pros-zero-down-mortgage\"><\/a><\/p>\n<h2>Pros of a zero-down mortgage<\/h2>\n<p>A zero-down mortgage has several benefits.<\/p>\n<ul>\n<li><b>You can buy a house right away. <\/b>There\u2019s no need to spend months or years saving up for a down payment.<\/li>\n<li><b>You\u2019ll have less cash locked up. <\/b>Even if you can afford a down payment, you might prefer to keep that money in your emergency savings.<\/li>\n<li><b>You won\u2019t pay for mortgage insurance.<\/b> You\u2019ll pay other fees, but they could be less expensive in the long run.<\/li>\n<\/ul>\n<p><a name=\"cons-zero-down-mortgage\"><\/a><\/p>\n<h2>Cons of a zero-down mortgage<\/h2>\n<p>Putting nothing down on a home loan also has drawbacks, however.<\/p>\n<ul>\n<li><b>You\u2019ll have larger monthly payments.<\/b> The less you put down, the bigger your monthly payment. That said, if you\u2019re choosing between a zero-down loan and a 3% or 5% down loan, the monthly payment difference will be minimal.<\/li>\n<li><b>You won\u2019t have any equity in your home. <\/b>Not having any equity puts you at greater risk for going <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/underwater-mortgage\/\">underwater on your mortgage<\/a>. If your mortgage does go underwater, you may have trouble refinancing the loan or selling the home.<\/li>\n<li><b>Zero-down loans aren\u2019t without fees.<\/b> You\u2019ll pay a 2.3% funding fee on a VA loan and a 1% guarantee fee on a USDA loan. The USDA loan also has a 0.35% annual fee.<\/li>\n<\/ul>\n<p><a name=\"low-down-payment-loans-consider\"><\/a><\/p>\n<h2>Low-down-payment loans to consider instead<\/h2>\n<p>Borrowers who don\u2019t meet the requirements for a VA or USDA loan still have the option of buying a house for as little as 3% down. There are both <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/conventional-mortgage\/\">conventional<\/a> and government-backed options for low-down-payment mortgages.<\/p>\n<p><b>Low-down-payment mortgage options and requirements:<\/b><\/p>\n\n<table id=\"tablepress-498\" class=\"tablepress tablepress-id-498 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Loan type<\/th><th class=\"column-2\">Description<\/th><th class=\"column-3\">Min. down payment<\/th><th class=\"column-4\">Min. credit score<\/th><th class=\"column-5\">Max DTI<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>FHA<\/strong><\/td><td class=\"column-2\">Government-insured mortgage for borrowers with low credit scores<\/td><td class=\"column-3\">3.5% or 10% <br \/>\n<small>(depending on credit score)<\/small><\/td><td class=\"column-4\">580 with 3.5% down; 500 with 10% down<\/td><td class=\"column-5\">50%<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Fannie Mae 97% LTV Standard<\/strong><\/td><td class=\"column-2\">At least one borrower must be a first-time homebuyer<\/td><td class=\"column-3\">3%<\/td><td class=\"column-4\">620<\/td><td class=\"column-5\">50%<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Freddie Mac HomeOne<\/strong><\/td><td class=\"column-2\">At least one borrower must be a first-time homebuyer<\/td><td class=\"column-3\">3%<\/td><td class=\"column-4\">620<\/td><td class=\"column-5\">No defined minimum, but generally 45%<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Fannie Mae HomeReady<\/strong><\/td><td class=\"column-2\">For credit-worthy low-income borrowers<\/td><td class=\"column-3\">3%<\/td><td class=\"column-4\">620<\/td><td class=\"column-5\">50%<sup><small>1<\/small><\/sup><\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><strong>Freddie Mac Home Possible<\/strong><\/td><td class=\"column-2\">Very-low-, low-, and moderate-income borrowers<\/td><td class=\"column-3\">3%<\/td><td class=\"column-4\">660<\/td><td class=\"column-5\">45%<sup><small>1<\/small><\/sup><\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td colspan=\"5\" class=\"column-1\"><small><sup>1<\/sup>Maximum income cannot exceed 80% of area median income<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p>Credible doesn\u2019t offer government-backed loans, but you can use our site to compare lenders for conventional loans. It\u2019s free, and it only takes a few minutes.<br \/>\n<p><div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><\/p>\n<h3><span style=\"font-size: x-large;\"><strong>Credible makes finding a mortgage easy<\/strong><\/span><\/h3>\n<h6 class=\"accent--isGrayLight\">Compare prequalified mortgage rates from top lenders in just 3 minutes.<\/h6>\n<ul class=\"list--iconArrow accent--isGreen list--iconCheckmarkSolidCircle\">\n<li>Personalized rates, not generic<\/li>\n<li>One simple, safe TLS-encrypted form<\/li>\n<li>No spam calls from lenders<\/li>\n<li>Checking rates is free, with no commitment<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/mortgage\/form\/property-stage?utm_source=wp-credible&amp;utm_medium=mp-box-cta&amp;utm_campaign=seo\" target=\"_blank\" rel=\"noopener\">Find My Rate<\/a><br \/>\n<!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<p><!-- End TrustBox widget --><\/p>\n<p><\/div><\/div><\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Coming up with the funds for a down payment poses a major challenge to many aspiring homeowners, especially younger ones. But two types of home loans make it possible to buy a house with no&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/mortgages\/zero-down-mortgage\/\">Continue reading<\/a><\/p>\n","protected":false},"author":106,"featured_media":46623,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[1555,1463],"tags":[1527,1524,1521],"class_list":{"0":"post-46622","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-preparing-to-buy-home","8":"category-mortgages","9":"tag-first-time-home","10":"tag-mortgage-purchase","11":"tag-mortgage-rates-sidebar","12":"how-to-buy-a-house-with-no-money-down","13":"post_tag-first-time-home","16":"post_tag-mortgage-purchase","17":"post_tag-mortgage-rates-sidebar"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Buy a House with No Money Down in 2023 - Credible<\/title>\n<meta name=\"description\" content=\"No down payment? You may still be able to buy a home. Learn about the loan programs designed to help borrowers like you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.credible.com\/blog\/mortgages\/zero-down-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Buy a House with No Money Down in 2023 - Credible\" \/>\n<meta property=\"og:description\" content=\"No down payment? You may still be able to buy a home. Learn about the loan programs designed to help borrowers like you.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.credible.com\/blog\/mortgages\/zero-down-mortgage\/\" \/>\n<meta property=\"og:site_name\" content=\"Credible\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/crediblelabs\/\" \/>\n<meta property=\"article:published_time\" content=\"2020-12-21T17:24:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-02-14T22:41:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/12\/How-to-buy-a-house-with-no-money-down.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1476\" \/>\n\t<meta property=\"og:image:height\" content=\"590\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Amy Fontinelle\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AmyFontinelle\" \/>\n<meta name=\"twitter:site\" content=\"@credible\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Amy Fontinelle\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/zero-down-mortgage\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/zero-down-mortgage\\\/\"},\"author\":{\"name\":\"Amy Fontinelle\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#\\\/schema\\\/person\\\/27dcf3bc39d8e151fa4e4c3c35d05199\"},\"headline\":\"How to Buy a House with No Money Down in 2023\",\"datePublished\":\"2020-12-21T17:24:31+00:00\",\"dateModified\":\"2023-02-14T22:41:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/zero-down-mortgage\\\/\"},\"wordCount\":955,\"publisher\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/zero-down-mortgage\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/12\\\/How-to-buy-a-house-with-no-money-down.png\",\"keywords\":[\"first-time-home\",\"Mortgage Purchase\",\"Mortgage Rates Sidebar\"],\"articleSection\":[\"Getting Started\",\"Mortgages\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/zero-down-mortgage\\\/\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/zero-down-mortgage\\\/\",\"name\":\"How to Buy a House with No Money Down in 2023 - Credible\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/zero-down-mortgage\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/mortgages\\\/zero-down-mortgage\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/12\\\/How-to-buy-a-house-with-no-money-down.png\",\"datePublished\":\"2020-12-21T17:24:31+00:00\",\"dateModified\":\"2023-02-14T22:41:12+00:00\",\"description\":\"No down payment? 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