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These days, after the economic crisis, there are hardly any lenders who will offer you a no down payment loan or a loan without any closing costs. Moreover, in case you get such a lender, he will either ask you to go for a PMI if you can't pay the down payment or will include the closing costs in your loan amount thereby increasing your payments.

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I agree with Sussane's point of view. There are hardly any lenders who will offer you a mortgage with no downpayment. Unless you offer 20% downpayment, it will be difficult for you to qualify for a conventional loan. In case of a FHA loan, you need to offer a down payment of 3.5% - 5%.

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