In the US you can get a USDA home loan. The minimum down payment is ZERO. The mortgage insurance is incredibly affordable as well. The catch is you have purchas

In the US you can get a USDA home loan. The minimum down payment is ZERO. The mortgage insurance is incredibly affordable as well. The catch is you have purchase a home in an approved rural area. I grew up in a house paid for by a USDA loan. We lived in a small town just 5 miles from a larger city that had all the opportunities we needed. We don't have an affordable housing issue. There are plenty of affordable places to build and buy a home outside of NY, SF, and <your-big-city>. We have problem where everyone wants to live somewhere that has cachet not a small rural town.