NACA's non-profit mortgage: 0% down, 0 closing costs, no PMI, no fees, below-market fixed rate — for any credit score.
The Neighborhood Assistance Corporation of America (NACA) offers the 'Best-In-America' mortgage: 0% down, $0 closing costs, no PMI, no fees, and a below-market fixed rate (often 0.75–1.5% below prevailing 30-yr). No minimum credit score — NACA uses character-based underwriting. Buyers can also 'buy down' the rate to as low as 1–2% by paying discount points. Requires attending workshops, submitting a full budget, and 5+ month process. Available in all 50 states.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Eligible veterans buy with $0 down, no PMI, and assumable rates.
0% down in USDA-eligible areas — includes many suburban zip codes.
Neighborhood Assistance Corp of America — below-market rate, zero down.
Fannie / Freddie low-income programs — 3% down + reduced PMI.
1.25–2.25% down for enrolled tribal members — nationwide.
State / county / employer DPA — $5K–$50K forgivable or 0% deferred 2nd.
$100 total down on FHA-repossessed homes for owner-occupants.
3.5% down + rehab budget rolled into one loan — buy distressed properties.