Buy a Home
With $0 Down
Purchase any home under your local FHA loan limit — no down payment required. Shop on Zillow, Redfin, Realtor.com, or any MLS listing, then let us handle the financing.
How Zero Down Works
Four simple steps to homeownership with no money down
Find Your Home
Browse Zillow, Redfin, Realtor.com, or any MLS listing. Shop anywhere — you're not limited to specific properties.
Verify Eligibility
Ensure the home price is under your local FHA loan limit. We'll confirm this for you quickly.
Contact David Ruch
Reach out by phone, email, or our contact form. We'll start your pre-qualification immediately.
Close With $0 Down
Complete the process and get your keys — without a down payment draining your savings.
Why Choose Zero Down?
Smart homeownership starts with preserving your financial flexibility
Keep Your Savings
Use your money for moving costs, furniture, home improvements, or keep it in your emergency fund where it belongs.
Buy Now, Not Later
Stop waiting years to save 20% down. Start building equity today instead of paying rent.
Competitive Rates
Access excellent mortgage rates without sacrificing your down payment. Great financing for qualified buyers.
Nationwide Availability
Available in multiple states — whether you're buying locally or relocating, we can help you find zero down financing options.
Shop Any Listing Source
You're not limited — browse homes wherever you like
Find the perfect home anywhere. Unlike programs tied to specific builders or listings, our zero down loans work with any home on the market — as long as it's under your area's FHA limit. You have complete freedom to shop, and we'll handle the financing.
Am I Eligible?
Understanding FHA loan limits for zero down financing
The primary requirement is simple: the home you want to buy must be priced under the FHA loan limit for your county.
What is the FHA Loan Limit?
The FHA (Federal Housing Administration) sets maximum loan amounts for each county based on local home values. These limits vary significantly by location — ranging from around $498,000 in standard-cost counties to over $1,000,000 in high-cost metro areas. Your specific county's limit determines the maximum home price you can purchase with $0 down.
Contact David Ruch today — we'll confirm the exact FHA limit for your target area within minutes and let you know if the home you're eyeing qualifies for $0 down financing.
Meet David Ruch
Your trusted mortgage broker
David Ruch
Owner & President, Nationwide Home Loans
David Ruch has spent 31+ years helping families achieve homeownership. As Owner and President of Nationwide Home Loans, he specializes in creative financing solutions that make homeownership accessible — including zero down payment programs for qualified buyers.
"My mission is simple: help hard-working families become homeowners without waiting years to save a massive down payment. If you're ready to own, I'm here to make it happen."
— David RuchHomeowners We've Helped
Real stories from real clients
"We thought we'd be renting for another 5 years while saving for a down payment. David showed us the zero down option and within 60 days we had the keys to our dream home. Absolutely life-changing!"
"David made the whole process so easy. We found a house on Zillow, sent him the link, and he confirmed we could do zero down the same day. His expertise and responsiveness were incredible. Highly recommend!"
"As first-time homebuyers, we had a lot of questions. David walked us through every step with patience and clarity. The $0 down program let us keep our savings for furniture and renovations. Best decision we ever made!"
Frequently Asked Questions
Get answers to common questions about zero down home loans
Yes, it's genuinely $0 down at closing. There's no hidden catch. You'll still need to cover closing costs (which can sometimes be negotiated with the seller) and have adequate credit and income to qualify, but you won't need a traditional down payment. This program is designed for qualified buyers who want to preserve their savings.
The FHA sets a maximum loan amount for each county based on median home prices in that area. These limits vary by location, ranging from approximately $498,000 in standard-cost counties to over $1,000,000 in high-cost metro areas. As long as the home you want falls under your county's limit, you can purchase with $0 down. Contact us to confirm your county's specific limit.
Zero down programs are available in multiple states where we're licensed to operate. FHA loan limits apply nationwide, so as long as the property falls under the FHA limit for your county and we're licensed in your state, you're good to go. Contact us to confirm availability in your area.
Absolutely. You're free to browse Zillow, Redfin, Realtor.com, local MLS listings, or work with any real estate agent you choose. Once you find a home you love, just bring it to us and we'll handle the financing. There are no restrictions on where you shop.
Credit requirements vary based on the specific loan program, but generally you'll want a credit score of at least 580-620 for zero down options. If your score is lower, don't give up — contact us anyway. We work with various loan programs and may have solutions even if your credit isn't perfect. We'll review your situation and find the best path forward.
No hidden fees. You'll have standard closing costs (appraisal, title insurance, loan origination, etc.) just like any mortgage, and these will be clearly outlined upfront. Many buyers negotiate seller credits to cover some or all closing costs. We believe in full transparency — you'll know exactly what you're paying before you commit to anything.
Ready to Buy Your Home
With $0 Down?
Take the first step today — reach out to David Ruch and start your pre-qualification
(805) 235-8575