Shaneka Lene on Instagram: "Most people think you need 20% down to buy a house… But here are 3 REAL ways to get a home with $0 down 👇🏿 1️⃣ USDA Loan For rural + small-town areas. $0 down, low rates, no PMI, and you can even build a house with their One-Time Close program. 2️⃣ VA Loan For active-duty, veterans, and eligible spouses. $0 down, no PMI, flexible credit, and can be used to buy up to 4 units so you can house hack. 3️⃣ NACA Program No down payment, no closing costs, no PMI, no minimum