: Loans that only require repayment when you sell or refinance the home.
: Aimed at low-to-moderate-income buyers in eligible rural and suburban regions. To qualify in 2026, household income for a 1-4 person family generally cannot exceed $119,850 in many areas. how to buy a house without money down
For those who don't qualify for VA or USDA loans, over 2,600 DPA programs exist across the U.S. as of late 2025. These programs, often managed by state or local housing agencies, provide: Grants : "Free money" that does not need to be repaid. : Loans that only require repayment when you
If loan programs alone aren't enough, buyers often use these additional methods: For those who don't qualify for VA or
: Available to veterans, active-duty service members, and eligible surviving spouses. These loans offer 100% financing and do not require private mortgage insurance (PMI), which can save hundreds monthly.