Do I Need A Downpayment To Buy: A House

In 2026, the short answer is to buy a house, but your options depend heavily on your eligibility for specific government-backed programs. While the traditional "20% down" rule is often cited, the median down payment for first-time homebuyers is actually closer to 9%–10% . Summary of Minimum Down Payments by Loan Type (2026)

Loan requirements vary based on the program and your financial profile: How To Buy a House With No Money Down | $0 Down Loans do i need a downpayment to buy a house