Buying A House Without A Downpayment May 2026

: FHA loans normally require 3.5% down for credit scores of 580+. However, lenders like Guild Mortgage offer programs that combine an FHA loan with a forgivable second mortgage to cover the 3.5% requirement.

: No private mortgage insurance (PMI) and competitive interest rates. buying a house without a downpayment

: Includes a 1% upfront guarantee fee and a 0.35% annual fee. "Near-Zero" and Stacked Options : FHA loans normally require 3