If the roof leaks or the plumbing is gone, a VA or USDA appraiser will likely reject the loan.

Most 0% down programs require a score of at least 620–640.

Buying a foreclosure with no money down isn't always easy. Keep these challenges in mind:

Many foreclosures are in poor condition and won't qualify for standard 0% down loans. In these cases, you might use: Allows you to roll repair costs into the mortgage.