The $0-down-payment mortgage that isn’t too good to be true

Real Estate The $0-down-payment mortgage that isn’t too good to be true By Will Kenton Published July 18, 2026, 7:15 a.m. ET New York Post photo composite See more of our coverage in your search results. Add The New York Post on Google New York Post may receive revenue from affiliate and advertising partnerships for sharing this content and/or when you make a purchase. Home affordability is at a record low. According to the Urban Institute, nearly half of Americans can’t afford the true cost of living. Average house prices in the U.S. are sitting at an all-time high of $514,600. In states like Florida, Colorado and California, those averages are higher — $477,000, $597,000 and $811,000, respectively.

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