A zero down payment mortgage is exactly what it sounds like: a mortgage that requires no money down at closing. Buying a home and putting no money down to do it sounds appealing to many, but in reality it’s hard to get a zero down payment mortgage in this climate, as banks no longer offer them to most consumers.

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10% Down vs. 20% Down on a House. An important criterion when considering the purchase of a home is the amount of the down payment you are willing and able to make. While 20 percent of the.

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A zero down payment mortgage seems like a gift. But there are downsides. And home loans with nothing down come and go, except for two government programs.

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The reason a downpayment is important is that it builds an initial equity in the property. In the first few years of a zero down mortgage, you’re paying essentially 100% interest, no principle. So what happens when you cannot afford the house? Bail!

Can I buy a home with zero down? This is a common question from potential buyers. Learn how to buy a house with 0 down payment today.