Zero Down Mortgage Programs
Banks and credit unions offering true 100% financing mortgages — no down payment assistance layer required. These are lender-owned loan products where the lender itself provides zero down financing.
ⓘ This database covers 19 programs from banks, credit unions, and mortgage companies across all 50 states + DC. Programs, eligibility rules, and availability change — always verify current terms directly with the lender before applying.
| State(s) Served | Institution | Program Name | 100% Financing | PMI Status | Eligibility & Restrictions | Contact |
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Important Disclaimer: This directory is for informational purposes only and is not an endorsement of any lender or program. Program availability, eligibility requirements, loan terms, and geographic restrictions change frequently. Zero down payment does not eliminate closing costs, prepaids, or escrow requirements. Always contact lenders directly to verify current program details before making any financial decisions. Some programs require credit union membership. This is not financial advice.