can you buy a house with 0 down

 · Saving for a down payment of 20% (or more) does several things – it forces you to budget, to evaluate the amount of home you can truly afford, to learn to save, etc. Save money, buy a house you can truly afford (with a sizable down payment), profit over the long term.

 · If you pay less down, your monthly payment will be higher and you may be forced to pay a higher interest rate.But for someone with a solid income and low debt, buying a home before you’ve saved up a 20 percent down payment can be a good choice.

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USDA focuses on rural development and offers zero-down mortgages for families who qualify as low or moderate income. This doesn’t mean you have to buy a home in the middle of nowhere, but it does come with a set of restrictions on where you can purchase a property.

"There’s a myth out there that down payment assistance programs are only available for low income families and for low cost housing, but the truth is that in places with high housing costs like San Francisco, you can get help to buy a house as expensive as $700,000," says Chrane.

With an FHA loan program, you can buy a house with no money down because you are allowed to get the down payment and closings costs as a gift from a relative. You can cover both the down payment.

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The USDA home loan allows you to buy a home with no money down and 100 percent financing. VA home loans are specifically for military home buyers, and requires no minimum credit score or down.

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In this video I go over 4 ways to buy a house with NO money down. If you are looking to buy a house with no money or little money down one of these programs should work.