If you qualify for VA or USDA financing, zero down is possible. These programs are designed for specific borrower groups and geographic areas. Zero down does not mean zero cost. You’ll still have closing costs, prepaid expenses, and possibly funding fees depending on the loan type, but you can also negotiate that the seller pays some or most of these other costs as well. Padzilly’s OfferPro lets you see how that would work with any home. From experience, zero down works best when the borrower has strong income stability and good financial discipline. When someone buys with no equity cushion and minimal reserves, even a small unexpected expense can create stress. Zero down is a powerful opportunity. But it should be approached with maturity and planning.
Please consult your Mortgage Advisor for guidance specific to your situation before making changes.
