In this video, I break down how you can buy a brand-new home with $0 out of pocket—yes, it’s possible in certain situations if you structure the deal correctly. I walk you through a real-world example on a $410,000 new construction home and show how the “three-piece combo” works: down payment assistance, seller credits, and an interest rate buydown. The biggest mistake I see is people assuming they need a big pile of cash to get into a new home, when the truth is a lot of it comes down to the loan program and how the contract is written. First, I explain how an FHA loan typically requires 3.5% down—about $14,350 on $410K—and how a state down payment assistance program can potentially cover that entire amount if you qualify. Then we tackle closing costs, which I estimate around 3% (about $12,300 here), and I show why negotiating seller contributions matters so much—specifically using the wording “toward recurring and non-recurring closing costs” so the credit can be applied broadly. Finally, if you negotiate more credit than you need for closing, I explain how that leftover can be used for a rate buydown to lower your monthly payment instead of wasting the credit.