Apartment without a down payment – everything about the Family Housing Loan

The Family Housing Loan (RKM) is currently one of the most important tools supporting Poles in purchasing their first property—especially those who do not have a large down payment. In this article, we explain what the housing program is about, who can benefit from it, what the current limits are, and how RKM affects real-life possibilities of buying an apartment or a house. We will also answer the most frequently asked questions about the available support scheme.

Table of contents

1. What is the Family Housing Loan (RKM)?
2. How does the Family Housing Loan work?
3. Who can benefit from RKM?
4. What can you buy with the Family Housing Loan?
5. What are the price limits in the Family Housing Loan for Q1 2026?
6. Can you use RKM if you have a down payment?
7. Additional benefits for families with children – family repayment
8. Other conditions of the Family Housing Loan
9. Frequently asked questions

1. What is the Family Housing Loan (RKM)?

The Family Housing Loan, also known as “Housing with no down payment,” is a government support program for purchasing real estate, designed to make it easier for individuals and families with a limited or zero down payment to enter the housing market. The key mechanism is a down payment guarantee provided by Bank Gospodarstwa Krajowego (BGK)—thanks to this, a bank can grant a loan even without a traditional down payment. Typically, with a mortgage, banks require 10–20% of the property value as a down payment, but under RKM it can be significantly reduced—even to zero.

2. How does the Family Housing Loan work?

The program does not replace a standard mortgage—you still take out a loan from a bank, just like with any other property purchase. The difference is that Bank Gospodarstwa Krajowego (BGK) provides a guarantee for part of the down payment. As a result, the bank does not require you to raise the full amount of your own funds, which for many people is the biggest barrier to buying their own apartment or house. It is worth emphasizing that the BGK guarantee does not give you extra money and does not reduce the loan amount—its role is only to secure the bank against the risk of not having a full down payment. This means that the entire loan amount is still your responsibility, and you repay it in instalments.

3. Who can benefit from RKM?

The housing program is available to singles, couples in an informal relationship who are raising a shared child/children, childless married couples, as well as families with children.

The most important thing is that the applicant has creditworthiness, i.e., a real ability to repay the entire obligation. Another condition is not owning a property previously—an exception applies to families with children, who may use the program even if they already own an apartment, provided they meet specific floor-area limits.
The limits depend on the number of children on the day the loan application is submitted. With two children, you may own an apartment of up to 50 m²; with three—up to 75 m²; with four—up to 90 m²; and with five or more children there is no floor-area limit.

There are no age limits or marital-status requirements in the program. The program is open to everyone who meets the basic financial conditions, including foreigners, as long as they have creditworthiness.

4. What can you buy with the Family Housing Loan?

The Family Housing Loan offers truly broad possibilities—the program was designed so that everyone can find a solution tailored to their needs and dreams of owning a house or an apartment. You can use it for:

• buying an apartment or a house—both on the primary and secondary market, in locations that suit you,
• building a house from scratch,
• buying a building plot along with building a house,
• buying a property together with finishing.

The only limitation is the price-per-square-metre limits and the total property value, which are set quarterly by BGK. Practical example: the developer estate Domy na Witosa in Radzymin—available from PLN 449,000 with a parking space. Here, the down payment is PLN 0, and the entire property can be financed with a loan backed by a BGK guarantee. This is a real chance to buy an apartment with a garden or a balcony now, without having to save for years to build up a down payment.

5. What are the price limits in the Family Housing Loan for Q1 2026?

The price-per-square-metre limits vary depending on the location. In this article, we focus mainly on the Masovian and Łódź voivodeships, i.e., regions where many families look for their first apartment or house with the help of RKM.

Masovian voivodeship:

• Warsaw:
  • Primary market: PLN 15,496.32/m²
  • Secondary market: PLN 14,389.44/m²
• Municipalities neighboring Warsaw:
  • Primary: PLN 11,924.57/m²
  • Secondary: PLN 11,072.82/m²
• Masovian (other municipalities, outside Warsaw and its surroundings):
  • Primary: PLN 9,937.14/m²
  • Secondary: PLN 9,227.35/m²

Łódź voivodeship:

• Łódź:
  • Primary: PLN 9,676.10/m² | Secondary: PLN 8,984.95/m²
• Municipalities neighboring Łódź:
  • Primary: PLN 8,873.20/m² | Secondary: PLN 8,239.40/m²
• Other municipalities in the Łódź voivodeship:
  • Primary: PLN 8,070.30/m² | Secondary: PLN 7,493.85/m²

6. Can you use RKM if you have a down payment?

Yes! The Family Housing Loan works both for those who have no down payment at all and for those who have some savings. BGK tailors the guarantee to your situation, which means you can buy a house with a garden or a brand-new apartment in a developer estate without having to accumulate the traditional 10–20% down payment. This is a real opportunity to enter the real estate market faster and live in a place suited to your family’s needs.

In practice, it looks like this: you can find properties at prices that previously seemed out of reach, while your down payment remains minimal. Here are a few examples from the Masovian and Łódź voivodeships that show how the program works in real life:

• Domy na Witosa – 4-room apartments in Radzymin
  Apartment price with a parking space: PLN 449,000
  Down payment: PLN 0
  Fully financed with a loan
  What does it mean? A 60+ m² apartment for your family with no down payment.
• Osiedle Stokrotki – houses near Warsaw
  House price with a parking space: PLN 539,000
  Down payment: approx. PLN 8,000
  The rest financed with a loan
  What does it mean? You can have your own house in the countryside with a garden, without having to save a large amount to get started.
• Osiedle Młodych – 3-room apartments right next to Warsaw’s Ursynów district
  Price with two parking spaces: PLN 559,000
  Down payment: approx. PLN 12,000
  What does it mean? A comfortable apartment with two parking spaces in an attractive location with good access to Warsaw—without needing substantial savings for a down payment.
• Nova Magdalenka 7 – a true house in the Raszyn municipality
  House price with parking: PLN 649,000
  Down payment: approx. PLN 30,000
  What does it mean? A spacious house with its own garden, close to Warsaw, in an area with full infrastructure—nurseries, shops, services.
• Boska Ksawerowska – new apartments in Łódź, ready for handover
  Home price with parking: PLN 489,000
  Down payment: PLN 0
  What does it mean? A 3-room apartment in Łódź, in a new estate right next to a shopping center, commissioned at the beginning of 2026.

Thanks to RKM, even a small down payment can open the door to your dream apartment or house. It is real support for families, singles, and couples who dream of “a place of their own” without financial stress and with a sense of security.

7. Additional benefits for families with children – family repayment

The Family Housing Loan includes special financial relief when the family grows during the loan repayment period. If a second or subsequent child is born in your family, the loan amount may be reduced in real terms, which immediately translates into a lower monthly burden and more funds in the household budget.

• With the second child, the loan is reduced by PLN 20,000,
• With the third and each subsequent child – by PLN 60,000 for each child.

Thanks to this, the program actively supports families as they grow, making it possible for family expansion not to come with greater financial stress.

Important: at the time of applying for “family repayment,” the family may not own any other property than the one purchased under the program. This ensures that the relief goes to people who truly need support when buying their first home or apartment. This is an example of practical, tangible support for families in everyday life, helping them fulfill the dream of a safe home of their own.

8. Other conditions of the Family Housing Loan

Here is what else is worth knowing about RKM:

• The minimum loan term is 15 years,
• The loan is granted only in Polish zloty,
• Not all banks cooperate with BGK.

If you are wondering whether you can buy an apartment or a house with no down payment, which banks cooperate with BGK, and which properties you can purchase under RKM—contact our sales office and mortgage advisor. Our experts will review your situation, recommend the best solutions, and point you to homes available from us with zero or minimal down payment, making it much easier and faster to turn the dream of owning a home into reality.

9. Frequently asked questions