Buying A House With No Savings -

If you don't qualify for VA or USDA, you can often reach "zero out of pocket" by stacking low-down-payment loans with grants:

Buying with zero equity means you are "underwater" the moment you sign, as selling costs (agent commissions) would exceed your home's value. FHA Down Payment Grants for 2026 buying a house with no savings

The biggest trap for buyers with no savings isn't the down payment; it's the , which typically run 2% to 5% of the purchase price. Even with a 0% down loan, you could still owe $10,000+ on a $300,000 home at the signing table. If you don't qualify for VA or USDA,