97% of U.S. Land Qualifies for Zero-Down Loans

Federal program lets qualified borrowers finance up to 100% of a home purchase through approved private lenders, with the government guaranteeing part of the loan.
Program serves modest-income households buying primary residences in eligible rural areas, which can include small towns, exurbs, and outer suburban communities too.
Eligibility is not just about location: household income generally cannot exceed ~115% of local median income, and borrowers still must pass lender underwriting.
Zero down does not mean zero cost: in 2026, the program carried an upfront fee of ~1%, and buyers could finance some closing costs.
Buyers considering small towns, exurbs, or outer suburbs can check a property address online first, then ask an approved lender for closing and payment estimates.