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Acquiring a second home without a down payment is achievable by leveraging existing home equity through cash-out refinances or HELOCs, or by utilizing government-backed programs like VA and USDA loans that allow for 0% down on new primary residences. Other avenues include assumable mortgages, seller financing, and receiving a gift of equity. For a detailed guide, visit Rocket Mortgage . how to buy a second home without down payment