Eligible veterans buy with $0 down, no PMI, and assumable rates.
VA loans allow qualified veterans, active-duty, and select surviving spouses to purchase a primary residence with 0% down and no monthly PMI. Loans are assumable by future qualified buyers (huge exit-value in high-rate markets). Funding fee (1.25–3.3%) can be rolled into the loan. Use up to 4-unit properties for owner-occupied house-hacking.
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.
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.
3% down conventional + rehab budget — no PMI drop-off delays.