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100% Financing Mortgage Programs in the USA

There are 99 100% financing mortgage options (no down payment required!) currently available in the USA. Sign up to get your personalized mortgage review, which includes all of the 100% financing options you may qualify for and the ability to compare different loan programs to find the perfect match.

Looking for just the 100% financing home loan programs in USA that fit your unique situation? Start your free personalized mortgage review by clicking here.

Popular 100% Financing Loan Programs

Check out the most popular 100% financing loan programs in USA

USDA Purchase Loan
Most Popular

Best For: Zero Down, Easy Process

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Home loans with up to 100% financing and lower mortgage insurance for low to moderate income homebuyers in eligible rural areas.

Min. Credit Score

620

Min. Down Payment

0%

Max. Loan Amount

$285,000 - $970,800

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  • Purchase (3)
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100% Financing Options for Purchasing a Home

We searched our national mortgage program database to find all of the purchase home loan options specific to USA:

VA Purchase Loan

Best For: Lowest Rates, Zero Down

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VA purchase loan program with no down payment requirement, competitive interest rates, limited closing costs, and no private mortgage insurance.

Min. Credit Score

580

Min. Down Payment

0%

Max. Loan Amount

$726,200

USDA Purchase Loan

Best For: Zero Down, Easy Process

Learn More

Home loans with up to 100% financing and lower mortgage insurance for low to moderate income homebuyers in eligible rural areas.

Min. Credit Score

620

Min. Down Payment

0%

Max. Loan Amount

$285,000 - $970,800

VA High-Balance Purchase Loan

Best For: Large Loan Amounts, Zero Down

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The VA high-balance mortgage (often called "VA Jumbo") is used for loans above the conforming limit—allowing homebuyers to maximize their VA benefits.

Min. Credit Score

640

Min. Down Payment

0%

Max. Loan Amount

$1,500,000


Special Programs for 100% Financing

These additional loan programs available in USA may provide help for down payment and closing costs, qualification for borrowers who don't fit the traditional mold, and unique portfolio programs for special situations.

Utah Housing FHA Purchase Loan

Best For: First Time Homebuyers, Low Credit Scores

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FHA program for Utah residents seeking down payment assistance, offered by the Utah Housing Corporation (UHC).

Min. Credit Score

620

Min. Down Payment

3.5%

Max. Loan Amount

$472,030

TSAHC FHA Purchase Loan

Best For: First Time Homebuyers, Low Credit Scores

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FHA program for Texas residents seeking down payment assistance, offered by the Texas State Affordable Housing Corporation (TSAHC).

Min. Credit Score

620

Min. Down Payment

3.5%

Max. Loan Amount

$472,030 - $571,550

Texas Veteran VA Loan

Best For: First Time Homebuyers, Low Credit Scores, Lowest Rates, Zero Down

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The TexVet VA Loan allows Texas Veterans to purchase a home with a competitive, low-interest loan and zero down.

Min. Credit Score

580

Min. Down Payment

0%

Max. Loan Amount

$726,200

CalHFA MyHome Assistance Program

Best For: First Time Homebuyers, Zero Down

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The CalHFA MyHome Assistance Program provides up to 3% in down payment assistance in the form of a deferred payment mortgage.

Min. Credit Score

680

Min. Down Payment

0%

Max. Loan Amount

$1,089,300

Up to 3.00% of 1st Loan Amount Program Benefit Amount

TDHCA My First Texas Home

Best For: First Time Homebuyers, Zero Down

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Up to 5% down payment and closing cost assistance for Texas first time homebuyers with either forgivable or repayable assistance.

Min. Credit Score

620

Min. Down Payment

0%

Max. Loan Amount

$571,550

Up to 5.00% of 1st Loan Amount Program Benefit Amount

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* Some loan programs may not be offered by all featured lenders of ReviewMyMortgage.com and qualification guidelines may vary between them. Our team makes their best effort to keep loan program information up to date. Loan programs may change without warning. ReviewMyMortgage.com does not guarantee or offer any loan products. ReviewMyMortgage.com is strictly an educational resource hub for consumers.

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When determining the true cost of owning a home, the process starts with fees. Purchasing a home is a form of real estate investing that comes with both benefits and expenses. The full cost to own a home, including all fees paid, is a big part of that. When it comes to personal finance and financial education in general, the more info you have about the transaction, the better.

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