Use a VA loan if you are an eligible veteran, active-duty service member, or qualifying spouse
Use a USDA loan for eligible rural and some suburban properties
Look for down payment assistance programs from state, county, or city housing agencies
Apply for first-time homebuyer grants or forgivable loans
Ask for seller concessions to cover closing costs and reduce upfront cash needs
Negotiate a lender credit in exchange for a slightly higher interest rate
Use gift funds from family or approved donors for down payment and closing costs
Check whether your employer offers homebuyer assistance benefits
Consider a nonprofit or community land trust program with reduced upfront costs
Use a 203(k) or similar renovation loan if the program allows low or no down payment
Explore local bond programs and special financing for qualified buyers
Improve your credit score and debt-to-income ratio to qualify for better low-down-payment options
Get preapproved and compare lenders that offer low- or no-down-payment products
Save for closing costs, inspections, and reserves even if the down payment is zero
Verify all program eligibility rules, property limits, and occupancy requirements before making an offer