VA loans (for eligible veterans/servicemembers) and USDA Rural Development loans both allow 0% down payment (100% financing), subject to program eligibility and property/location requirements. FHA loans require a minimum down payment (commonly 3.5%) and therefore are not 100% financing.
[References: Maryland pre-licensing topic Real Estate Financing (government-backed loans: FHA minimum down payment; VA guaranty with potential 0% down; USDA Section 502 guaranteed loans and 0% down features)., , ]
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