Zero down payment options in home buying have become increasingly popular, allowing potential homeowners to enter the market without a cash down payment. Government programs such as VA loans, USDA loans, and certain FHA loans offer options with minimal to no down payment requirements. Creative financing strategies like seller concessions and house hacking can also help buyers achieve a no-money-down purchase. Understanding seller financing and lease-to-own agreements can provide additional pathways to homeownership without a down payment. By exploring these options, first-time homebuyers can navigate the housing market more effectively and seize opportunities that may not have been initially considered.