The $0-down-payment mortgage that isn’t too good to be true

With home affordability at historic lows and the average U.S. house price reaching $514,600, it’s no wonder many buyers are searching for alternatives that lower upfront costs. In my work guiding clients through the mortgage landscape, I’m often asked about $0 down payment options. VA and USDA loans can make homeownership more accessible, though each comes with its own eligibility requirements—VA loans include a funding fee, while USDA loans have specific income and location restrictions. My goal is always to help you cut through the confusion and understand which solutions truly fit your situation, so you can move forward with clarity and confidence.