How to Buy a House With ZERO Down Payment | 4 Real Programs You Can Use

Buying a home with little to no money down? Yes — it’s absolutely possible. In this video, Brad the Mortgage Guy breaks down the four real programs buyers across the country use every day to get into homes with minimal upfront cash: ✔ VA Loans – 100% financing ✔ USDA Loans – 100% financing in eligible areas ✔ State Assistance Programs – Down payment + closing cost help ✔ National Assistance Programs – Options even if you’re not a first-time buyer You’ll learn: • The difference between down payment & closing costs • How seller credits work (and how much you can actually ask for) • What upfront money is actually required (deposit, appraisal, inspection) • How state programs provide forgivable, repayable, or 0% assistance • How FHA becomes “100% financing” when paired with assistance • When a slightly higher rate is worth it to get into a home • How to combine programs for true zero money down Brad has been helping homebuyers for 26 years, and his team works in all 50 states. These are real programs, used by real people, every single day. If you found this helpful, make sure to: 👍 Like 💬 Comment your state 🔔 Subscribe for more homebuying tips We’d love to help you get started on your homeownership journey. Happy house shopping! 📞 Contact Brad (413)221-1110 [email protected] rate.com/bradsalerno 0:00 – Intro: Buying a Home With No Money Down 0:22 – Who Brad Is (26 Years, 50 States, Real Programs Used Daily) 0:55 – What “No Money Down” Really Means 1:18 – Down Payment vs. Closing Costs Explained 2:05 – VA Loans: 100% Financing 3:45 – Seller Credits on VA Loans 4:35 – USDA Loans: 100% Financing + Eligibility 6:10 – USDA Property Map & Income Limits 7:10 – Upfront Costs: Deposits, Appraisals, Inspections 8:30 – State Assistance Programs: Down Payment + Closing Costs Help 10:50 – Forgivable vs. Repayable Assistance (How Payback Works) 12:15 – Using Assistance With FHA (How FHA Becomes “100% Financing”) 13:20 – National Programs (Options for Non–First-Time Buyers) 14:30 – Higher Rates vs. Free Money — When It Still Makes Sense 15:20 – Combining Programs for Zero Out of Pocket 16:10 – Final Summary & Next Steps 16:40 – Contact Info + Subscribe