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Buying a house with no money?

Hello!

Me and my family want to buy a house… but as the title says we have no money.

We plan to maybe purchase in 2026 which gives us plenty of time to save for a smaller down payment ($10-$15k). We also qualify for FHA as this will be our first home.

We are looking for: - $250,000 or less - 3bed 2bath - 1100-1300sqft

Not sure if this matters but we have no clue what to do, or where to start. Any general information will help as well.

Partner is getting a pay increase soon so his starting salary in or around 2026 will be in the high $55k, and I make about $32k-$40k a year.

Also whats cheaper, a new construction, buying a home, getting a construction loan to build the house?

Any tips will be greatly appreciated.

submitted by /u/Queendom-Rose
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source https://www.reddit.com/r/RealEstate/comments/15y4sb0/buying_a_house_with_no_money/
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