Bad credit no credit history or little cash stops many people from qualifying for a home loan yet there are ways to obtain a no money down mortgage with less than perfect credit the key is finding the right lenders and choosing the right loan program. Or you can find down payment assistance programs that could allow you to buy a home with no money down usda and va loans require zero down payment fha and conventional loans need just 35 or less down but 100 of the down payment can be a gift this would make it possible to buy a house with no money down. Dont rule out homeownership because you dont have a down payment and are dealing with bad credit programs exist for buyers who are working toward rebuilding their credit and buying a new home
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