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: The seller acts as the bank. You make monthly payments directly to them rather than a lender. This often requires finding a motivated seller (e.g., someone with a high-equity property they want to offload quickly).
: 0% down for homes in designated rural and suburban areas for low-to-moderate-income buyers.
If your goal is to profit from real estate without owning or managing the physical property yourself: How To Buy Rental Property With No Money Down In 2026
: 0% down for veterans, active service members, and eligible spouses.
: Take over a seller's existing mortgage with the same interest rate and terms. This is primarily possible with government-backed loans (FHA, VA, USDA).
: Buy a multi-unit property (2–4 units) using a low-down-payment loan like an FHA (3.5% down). Live in one unit and use the rent from others to cover the mortgage.