Buying a home

Zero-down routes

The short answer Zero down describes a financing outcome, not a single program. Eligible VA or USDA loans may offer it, and some other combinations use approved assistance. No required down payment doesn't necessarily mean no cash to close, no fees or no risk to your equity, and each underlying program sets its own eligibility.

Last reviewed: October 18, 2026 · General education, not a loan offer or approval. Availability and terms depend on the lender, the property and your file.

It may fit if

You may be eligible for a VA-backed or USDA-backed loan.
You are buying a primary home and have limited savings.
You want to see which underlying program could reduce your cash needs.

Tradeoffs to weigh

Closing costs and prepaid items may still be due.
Starting with little or no equity leaves less cushion if home values fall.
Each underlying program has its own eligibility rules and fees.

What to have ready

Whether you have military service or are an eligible surviving spouse.
The address or area where you want to buy.
Your household income and how you're paid.
Any savings, gift funds or seller help you expect.

Questions people ask

Can closing costs still be due?

Yes. An actual estimate must show what is paid by you, the seller, the lender or an assistance provider.

What if I am not eligible for VA or USDA?

Marcus can review other affordable options with you. Assistance may not eliminate all cash needs.

Your next step

Tell me what you're trying to do. I'll check which options fit your situation and walk you through the tradeoffs.

Start my application Talk to Marcus

Sources

Official program and consumer sources this page is based on. Lender rules can be stricter than these.

Who you'll work with

You work with me, start to finish.

Marcus Wright · Loan Officer, NMLS #2789841

Originates through Q Mortgage LLC, NMLS #2567464. Licensed in Texas.

Check my license on NMLS Consumer Access

I aim to get back to you within a few working hours, often sooner.

Se habla español. Every page and form here works in Spanish.

How it works

1. Tell me your goalCall, book a time or send a note. No SSN and no credit check to start a conversation.
2. I compare your optionsI look at your income, property and plans, and explain the costs and tradeoffs of each route in plain language.
3. Apply when you're readyYou apply through a secure application. The lender's underwriting makes the final decision, and I keep you updated until closing.

Contact

Let's talk about your loan.

Call, book a time, or send a quick note. Whatever's easiest.

(682) 403-3406Tap to call Pick a timeBook a call on my calendar Weekend timeSat–Sun, 11 a.m.–7 p.m. Central. I confirm it personally. marcus@qmortgage.aiEmail me anytime

Hours Weekdays 8 a.m.–8 p.m. Central. Weekends 11 a.m.–7 p.m. Central by appointment.