{"id":24052,"date":"2026-03-10T04:19:53","date_gmt":"2026-03-10T11:19:53","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=24052"},"modified":"2026-03-11T22:03:32","modified_gmt":"2026-03-12T05:03:32","slug":"buyer-how-to-buy-a-house-with-no-money","status":"publish","type":"post","link":"https:\/\/www.homelight.com\/blog\/buyer-how-to-buy-a-house-with-no-money\/","title":{"rendered":"How to Buy a House With No Money Upfront: 9 Ways To Make It Happen"},"content":{"rendered":"

For first-time homebuyers, the down payment<\/a> is often the biggest barrier to homeownership. A lot of us went through the post-college days where we ate ramen every night, shopped the clearance bins, and went to the dollar theater while getting on our feet. But even if you pinch pennies, it\u2019s often not enough to save up for a home.<\/p>\n

In many parts of the country, <\/span>saving a large sum<\/span><\/a> while also paying rent<\/span> can be difficult. But if you\u2019ve been stuck on that <\/span>6%-9% down payment amount<\/span><\/a>, there\u2019s good news!<\/span><\/p>\n\n\n\n\n\n

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Discover How Much Home You Can Afford With Our Home Affordability Calculator<\/h3>\n

Understand the costs associated with buying a home and find out what safe budgeting looks like.<\/p>\n \n

\n Get Started<\/a>\n <\/div>\n <\/div>\n<\/div>\n\n\n

Chiquita Pittman<\/a> is an experienced agent in New Jersey who works with 7 more townhomes and 20 more condos each year than the average agent in her area.<\/p>\n

She says that through combining state programs<\/a> and with the seller paying closing costs, she had one buyer who \u201conly had to bring $3,500 to the table.\u201d<\/p>\n

If buying a house with little to no money sounds good to you, read on for our nine tips on how to get it done.<\/p>\n

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How do you buy a house with no money?<\/h2>\n

For most borrowers, you\u2019ll need money for the down payment and <\/span>closing costs<\/span><\/a>. To lenders, this demonstrates that you\u2019re willing to invest in the home, making you a key stakeholder. It also reassures them that you are less likely to stop making payments on the loan, sending the home into <\/span>foreclosure<\/span><\/a>.<\/span><\/p>\n

However, for many homebuyers, putting <\/span>6%-9%<\/span><\/a> down on hundreds of thousands of dollars is out of reach. While some mortgages allow you to put between 3% and 5% down, you need to know where to look.<\/span>
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