Rate varies0% down
No-down-payment conventional loan for a primary residence with no PMI. A 1.75% funding fee applies; it can be waived for a slightly higher rate or 3% down.
Navy Federal Credit Union · Updated Oct 17, 2026
Navy Federal Credit Union $0 down deals for October 2026
3 current Navy Federal Credit Union offers that need no down payment, covering car loans and home loans. Checked every morning.
- 3 offers
- 0 with $0 due at signing
- 3 new today
Rate varies0% down
100% financing with no PMI as an alternative to a VA loan. Carries a 1% origination fee and a 1.75% funding fee, either of which can be traded for a higher rate.
APR from 3.89%100% financing available
Navy Federal advertises 100% financing on auto loans, so you can finance the full price with nothing down if approved. New-car APRs start at 3.89% for 36 months with excellent credit.
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Lease payments exclude tax, title and dealer fees and usually need top-tier credit. “$0 down” can still mean a first payment, taxes or fees at signing; the price column shows what is due. Offers change often, so confirm with the provider.
Learn before you sign
- The best nothing-down deals, rankedWhich zero-down deals are actually worth it? We rank $0-due-at-signing leases, VA and USDA loans, free phones, 100% auto loans, doctor loans and $0-down solar, with today’s live offers.Read the guide →
- $0 down car leases: how they work and the best deals todayHow $0 down and $0-due-at-signing car leases really work, what they cost, who qualifies, and the best zero-down lease deals live today.Read the guide →
- How to buy a car with no money downZero-down car loans explained: who offers 100% auto financing, what it costs, how to avoid being upside down, and today’s live no-money-down auto loan offers.Read the guide →
- Zero down home loans: every way to buy with 0% downEvery way to buy a house with no down payment: VA loans, USDA loans, credit-union 100% financing and doctor loans, with fees, eligibility and today’s live programs.Read the guide →
- Free phone deals: are $0 down phones really free?How free and $0-down phone deals from AT&T, T-Mobile, Verizon and Metro work, what they require, the catch with 36-month bill credits, and today’s best offers.Read the guide →
- $0 down solar: loans vs. leases vs. PPAsHow $0-down solar works in 2026: solar loans, leases and power purchase agreements compared, the end of the federal homeowner credit, and how to choose.Read the guide →
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