Zero down does not mean zero out of pocket, and anyone who tells you otherwise is selling something. The seller carried 100% of the price. I still paid closing costs. Title work, recording, attorney, insurance binder. The closing statement is in the Deal Vault, page for page, so you can see the real number. The honest math: $0 toward the price, real dollars for the closing table. That is still a building for the price of a used car's down payment. The Deal Vault in the classroom has all 43 deals with every settlement statement. Free. Go check the $280k one and tell me what surprises you.