Can You Really Buy a Home With Zero Down in 2026?

You can, but these programs aren't for everyone. Here are the legitimate zero-down options left in California.

1. VA Loans

For eligible veterans and active duty.

Zero down. No PMI.

2. USDA Loans

Rural areas only. Income limits apply.

Zero down.

3. Down Payment Assistance (CalHFA or GSFA)

Can cover part or all of your down payment. Some even help with closing costs.

Usually paired with FHA or Conventional.

But these often come with:

• Income caps
• Higher interest rates
• Second liens
• More expensive fees
• Some have first time/first generation homebuyer requirements

What Zero Down Doesn’t Mean

It doesn’t mean zero closing costs. It also doesn't mean zero out of pocket. It just means you’re not bringing a down payment.

Bottom Line

Zero down is possible, but qualification matters. We look at income, location, credit, and long-term goals before choosing the path.