Most loans require a downpayment ranging from 3- 20%+. There are a few options for 100% financing, but it is a higher interest rate. There are many things to consider when selecting/qualifying for a loan. FHA offers a low down payment and interest rate, but has a higher private mortgage payment and upfront mortgage insurance cost. Conventional has been the way to go lately, with competitive rates and several down payment options, including 100% financing. If you would like me to connect you with a lender that specializes in these loans, please message me.