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:
Exclusive to veterans, active-duty service members, and eligible surviving spouses. These loans require no down payment and typically lack private mortgage insurance (PMI), though they do carry a one-time "funding fee" (usually 2.15% for first use) that can often be rolled into the loan. buying a house with no savings
Buying a house without savings is a high-wire act of financial engineering—entirely possible, but requiring a shift from the traditional "save then buy" mindset to one focused on leveraging specific programs and understanding long-term trade-offs. 1. The "True" Zero-Down Pathways If you don't qualify for VA or USDA,