Closing on a real estate deal with no money at all at closing is challenging but not impossible if you secure 100% financing and manage to cover all closing costs through other means. Here are some ways to achieve this:

1. 100% Financing: Some loan programs, such as USDA loans for rural properties and VA loans for veterans, offer 100% financing, which means no down payment is required.

2. Seller Concessions: You can negotiate with the seller to cover some or all of the closing costs. This is known as seller concessions.

3. Lender Credits: Some lenders offer credits to cover closing costs in exchange for a slightly higher interest rate on the loan.

4. Grants and Assistance Programs: There are various state and local programs that provide grants or assistance to cover down payments and closing costs, especially for first-time homebuyers.

5. Gift Funds: If you have family members willing to help, gift funds can be used to cover closing costs. These funds typically need to be documented properly to satisfy the lender’s requirements.

6. Closing Cost Assistance: Some lenders and real estate agents offer closing cost assistance as part of their services to attract buyers.

7. Roll Closing Costs into the Loan: In some cases, if the property’s appraisal value is higher than the purchase price, you might be able to roll the closing costs into the loan amount. However, this is subject to lender approval and loan program guidelines.

While it is possible to close a real estate deal with no money out of pocket at closing, it requires careful planning and negotiation. Make sure to consult with your lender and real estate agent to explore all available options and ensure that all aspects of the deal comply with lending regulations and requirements.