: Second mortgages that are forgiven if you live in the home for a set number of years.
: Loans that only require repayment when you sell or refinance the home.
If loan programs alone aren't enough, buyers often use these additional methods:
The most direct routes to a 0% down payment are through federal programs designed for specific populations:
: 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.