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How to Get a Mortgage With No Down Payment | U.S. News – Indeed, low down payment mortgages have helped millions of borrowers become homeowners, and the lack of a down payment should not be a permanent deterrent. Finally, a zero down mortgage is not a good financial move for someone who is unable to set aside any money at all on a regular basis.
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Putting a higher amount of money down may lower your interest rate and build equity in your home quicker. If your down payment on a conventional loan is less than 20%, you must pay private mortgage insurance (PMI), which covers the lender if you stop paying your mortgage.
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