Buying Property in France Without a Down Payment: What You Need to Know in 2026
·7 min read
Buying property in France without a personal deposit (sans apport) is challenging but possible for specific buyer profiles. French banks typically require a minimum 10% down payment to cover notary fees, but certain schemes can substitute for personal savings.
Schemes That Can Replace a Down Payment
| Scheme | Max amount | Who qualifies |
|---|---|---|
| PTZ (interest-free loan) | Up to €40,000 | First-time buyers, income-capped |
| Action Logement loan | Up to €40,000 | Employees of companies > 10 staff |
| PAS (social access loan) | 100% financing | Low-income households |
| Family gift (donation) | €100K tax-free | From parents or grandparents |
The Renovation Strategy
A smart approach for buyers without savings: purchase an energy-inefficient property (DPE F or G) at a reduced price, then fund the renovation through French government grants (MaPrimeRénov' up to €25,000 + Éco-PTZ up to €50,000 at 0% interest). This can dramatically reduce your net cost while improving the property's value.
Buying a property to renovate?
Renovation grants can significantly reduce your net purchase cost. Get a free estimate.
Get a free renovation estimate