How to Buy a House With No Money Upfront: 9 Ways To Make It Happen

Table Of Content

• You may already qualify for a first-time home buyer loan with no down payment
• HomeReady® And Home Possible® Loans From Fannie Mae And Freddie Mac
• Three Reasons You Should Turn Down Unsolicited Real Estate Offers
• Loan Types
• Step 1: Apply for a zero-down VA loan or USDA loan
• PROS Pros of a No-Down Payment Mortgage👍

Her work has been published on FinanceBuzz, HuffPost, Investopedia, The Balance and more. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. The information is accurate as of the publish date, but always check the provider’s website for the most current information. Also remember that putting less than 20% down on a conventional mortgage usually means you’ll have to pay for PMI. Buying a house with no money down is possible if you’ve served in the military, live in a rural area or work in health care.

You may already qualify for a first-time home buyer loan with no down payment

If the loan is below $200,000, the credit will be $2,000 as opposed to 1%. You can’t earn more than 80% of your area’s median income and still qualify. But unlike USDA loans, this stipulation only applies to the parties on the loan, not your entire household.

HomeReady® And Home Possible® Loans From Fannie Mae And Freddie Mac

Odds are, there’s a home loan that could work for your financial situation. Even if you qualify for a no-down-payment mortgage, you still need to get your closing costs covered if you want to buy a house with no money. Nurses and other healthcare professionals also have options when it comes to securing a home loan. While they may not qualify for special no-down-payment mortgage loans, they can take advantage of programs offering low down payments. Another strategy to manage upfront costs is through seller concessions, where the seller agrees to pay a portion or all of the buyer’s closing costs.

Three Reasons You Should Turn Down Unsolicited Real Estate Offers

In fact, some mortgage options don’t require a down payment at all. VA loans also offer attractive interest rates, because they’re not based on a borrower’s credit score, says Katie Miller, vice president of mortgage lending at Navy Federal Credit Union. Given these perks, a VA loan is often your best mortgage option—if you qualify. You may also be eligible for assistance in the form of a savings match from a housing finance agency in your state. Inquire with your real estate agent, loan officer, non-profit organizations and housing authorities in your area to learn more about your options.

In some cases, you still have to put money down and could forfeit that deposit if you default on the agreement’s terms. You’re taking the risk that if the property goes down in value, you still have to pay the agreed-upon price. When HUD acquires ownership of an eligible home in a revitalization area, they list those homes for 50% of the market-value price. However, they’re exclusively open to GNND borrowers for the first seven days, so you’ll have to stay on top of their listings to snag one.

New York First-Time Home Buyer Programs & Grants - The Mortgage Reports

New York First-Time Home Buyer Programs & Grants.

Posted: Fri, 19 Apr 2024 07:00:00 GMT [source]

Other Conventional Loans

When you’ve found the right program, it’s time to think about closing costs. Consider what loan types you’re eligible for and their mortgage insurance requirements. Some loan types require PMI, and it’s also required for borrowers who make a down payment less than 20 percent of the home’s sale price. Some policies exist for the life of your loan, while others can be canceled once homeowners reach 20 percent equity. Some loans are flexible and accept down payments entirely funded through gifts, grants, and loans. You may still qualify for a loan with a credit score below 580.

For example, if you’re an American veteran, some lenders specialize in VA loans and can walk you through the specific advantages and stipulations of these no-down-payment loans. When it comes to the nitty-gritty of comparing loan quotes, consider more than just the interest rate. Consider the loan’s term length, which will have a significant impact on both your monthly payments and the total repayment amount.

Step 1: Apply for a zero-down VA loan or USDA loan

We are an independent, advertising-supported comparison service. Other requirements vary based on whether you’re active duty or a former member of the military, if you served or are serving in the National Guard or Reserve, and when you served. Special-purpose credit programs are targeted to help those in underserved communities have equal access to lending and credit systems in the U.S.

PROS Pros of a No-Down Payment Mortgage👍

We recommend that you review the privacy policy of the site you are entering. SoFi does not guarantee or endorse the products, information or recommendations provided in any third party website. However, for many homebuyers, putting 6-7% down on hundreds of thousands of dollars is out of reach. While some mortgages allow you to put between 3% and 5% down, you need to know where to look. Bank deposit accounts, such as checking and savings, may be subject to approval.

Arrived, Lofty, and Mogul offer shares or tokens in homes that start at around $50 or $100. On Lofty, people can buy tokens in homes starting around $50, and then use those tokens to vote on management decisions about their properties, including repairs. Fundrise, possibly the largest of the companies, is fueling “build for rent” communities with more than $700 million of backing from JP Morgan. But these fractional investments come with risk, particularly for people who buy shares in homes rather than a fraction of the property itself, Berman says. “The retail investor has to truly understand the asset that they’re buying. Is it the underlying house, or is it some type of security owned by a startup backed by a house?

Department of Agriculture (USDA) and cater to low-to-moderate-income borrowers in qualifying rural areas. You can get approved for 100 percent financing, which means you won’t be on the hook for a down payment, but an upfront guarantee fee is. This amount can be paid at closing or rolled into the mortgage and paid over the loan term.

Seller concessions can significantly lower the immediate financial burden for the buyer, making the process of purchasing a home more accessible. Mortgage companies typically charge origination fees based on a percentage of your loan amount. For example, a 1% origination fee on a $300,000 loan amount would cost you $3,000. You’ll only need a 3% down payment to buy a home through the Fannie Mae HomeReady program. However, there are income limits, so check whether you qualify using the Fannie Mae lookup tool.

If you have less than a 20% down payment with a conventional loan, it’s likely that the lender will require MI. Because the VA guarantees a VA-backed mortgage, lenders waive this requirement. However, most homebuyers also need money to pay the closing costs that typically come with buying a house. This means you usually need to have some money to buy a home, regardless of the type of loan you get.

"It's happened on so many occasions, like four, five times," he said. "I've become very clear on what I want and the amount of money I need and literally it can be within 24 hours that I get a phone call for a job and it's almost identical to what I asked for money-wise." We delve into the world of manifestation - but will a one-day course help our reporter land some extra cash and an engagement ring? Enjoy our weekend reads, and leave a comment, below, and we'll be back with all the latest personal finance and consumer news on Monday.

TOP 25 Treehouse Rentals in California, USA 2023 Edition

Table Of Content

• Governor signs bill making homelessness a misdemeanor if person refuses help
• Top Campgrounds in Lexington, Kentucky
• More Places to Visit in Kentucky
• Must-Have Items for Your Camping Packing List

Once SB 1854 takes effect in November, state and local law enforcement can remove someone for camping on state owned lands such as highway right-of-ways and medians and even state parks. Senate Bill 1854 creates the new misdemeanor crime of unauthorized camping. It applies to homeless people who refuse to accept help and resources when law enforcement make contact with them about their living situation, likely in a tent on the side of a highway or in a median. Whether you're tent camping or staying in an RV or cabin, this list of must-have items will ensure smooth sailing on your next adventure. If you’re able to safely be outside in your backyard, you might choose to camp out there instead of staying inside.

Oklahoma House passes bill to prohibit unauthorized camping - The Oklahoma Daily

Oklahoma House passes bill to prohibit unauthorized camping.

Posted: Wed, 24 Apr 2024 15:10:00 GMT [source]

Governor signs bill making homelessness a misdemeanor if person refuses help

The silhouette of Outsunny Hexagon Sun Shade Canopy Tent has two zippered doors, allowing for easy access and exit. The overall shelter measures 6″ x 6″ at the top and 8″ x 8″ at the bottom for a total space of 36 square feet – which is plenty of space for 4 people. Furthermore, the 150D CPAI-94 frame retardant polyester canopy with solver coating provides a great deal of protection from the sun – up to 99% UV protection to be exact.

Top Campgrounds in Lexington, Kentucky

The Eurmax EZ Pop-up Canopy Tent also comes with 8 x 250mm stakes and 0.8 inches of guy rope which allows you to secure it firmly in place. As the Eurmax EZ Pop-up Canopy Tent has a commercial-grade appeal, it is often used for professional use at festivals and markets. In other words, it’s more than sturdy enough for casual events, including camping, backyard BBQs, or as a sunshade at the beach. Mid-budget, high-quality, and super easy to set up, this gazebo tent is a great investment for camping or backyard entertainment.

More Places to Visit in Kentucky

As this park offers plenty of comfortable amenities (and horseback-riding), hesitant family members will be easier to win over when you take them to Cumberland Falls. If you want to truly spread out, the Daniel Boone National Forest has more than 700,000 acres to explore and 600 miles of trails for your usage. Daniel Boone offers tons of sites for those looking to go camping in Kentucky.

This camping tent fits three people comfortably and it's under $30! - Boing Boing

This camping tent fits three people comfortably and it's under $30!.

Posted: Thu, 25 Apr 2024 15:00:00 GMT [source]

From cheap lodging to luxury suites, these California treehouses will not let you down. With its perches in the treetops and canopy of leafy branches, a treehouse is a dreamy place to live. You can enjoy sipping your morning cup of coffee while listening to the soothing sounds of nature inside these unique California treehouse rentals. When picking a camping gazebo, also take the materials of the design into account.

Additionally, it features an electric fireplace heater, a separate passageway, a pirate ladder, and a moratorium bridge. A Zen center, shopping, and Point Reyes National Seashore are all nearby this redwood treehouse. This rental includes a home on the ground floor with four bedrooms and three bathrooms that can sleep, eight guests.

Additional Features

For this reason, we’ve tested and selected the best-value, top-performing options on the market, guaranteed to enhance your fishing adventures. For this reason, we’ve tested and selected the best-value, top-performing options on the market, guaranteed to enhance your fishing adventures. This tent also features durable mesh walls, which allow you a clear view of the surrounding nature while protecting you from bugs and mosquitos as you eat. Make memories with friends and family around your campfire, then head inside to enjoy the comforts of home.

This tent has an adjustable center height of 122″ to 133″, making it one of the tallest gazebos on our list. Within the package, you’ll receive the fully-assembled powder-coated steel frame, silver canopy top, 3/3 sun protection walls with mesh pockets, 600D mini backpack, 8 stakes, and 4 ropes. That’s virtually everything you could possibly need to assemble a rock-solid temporary shelter in the wild. The overall shelter can be set up within just 60 seconds thanks to a fast frame system which essentially allows you to fully assemble the whole shelter in one go. If you’re into solo camping, you won’t have any problems setting up this tent.

With treehouse camping, you can get up there and embrace the unique experience for yourself. You'll find beachfront camping galore in the southern reaches of the region, with extra options if you're camping in your RV. Head further north up to the Big Sur coast for forest camping, hot springs, and arguably the best ocean views in the state. Nestled among the rolling hills of Bluegrass and filled with horse farms, enchanting trees, and peaceful trails, camping near Lexington is a dreamy escape. Campgrounds near Lexington make it easy to explore the area’s nature preserves, downtown attractions, and trails.

Bozeman, located in the Rocky Mountains about 80 miles north of Yellowstone National Park, has a population of around 56,000 people. City officials say the number of Bozeman residents living in their RVs or cars spiked by 200% in two years, according to Montana PBS, which cited the city. Since coronavirus is keeping most of us at home and indoors these days, you might be dreaming of the days when you could load up the car and go camping without a worry. You might also be wondering if there is a way you can still use your camping gear and have an adventure during these uncertain and trying times. We offer tenting directly on the banks of the San Gabriel River East Fork. The other amenities are a refrigerator, blender, microwave, kettle, and French press.

The rules become less clear when you’re parked at least 500 feet away from residences and school zones, but sleeping in your car is still frowned upon and time limits usually apply. For the best and safest car camping experience near Los Angeles, head just outside of town to a private Hipcamp campsite. The lawsuit, titled City of Grants Pass, Oregon v. Gloria Johnson, was filed by a group of people experiencing homelessness against the southern Oregon city, which passed an ordinance against outdoor sleeping.

Autumn Cake Decorations

Table Of Content

• Spice Cake with Orange Spice Cream Cheese Frosting
• Toffee Pecan Caramel Cake with Caramel Cream Cheese Frosting
• Buttercream Chrysanthemums on Textured Buttercream
• Autumn Birch Trees- A Buttercream Cake Tutorial
• Combining Warm Tones and Rich Hues: Creating Visual Interest
• Apple Toffee Caramel Cake A Scratch Recipe

Creating a multi-layered cake will not only look visually appealing but also provide a delicious variety of tastes for your guests to enjoy. To further enhance your autumn cake decorations, consider incorporating edible elements like gold dust or shimmer spray to add a touch of elegance and sparkle. You can also experiment with textured piping techniques, such as rosettes or basketweave patterns, to create depth and visual interest on your cakes.

Spice Cake with Orange Spice Cream Cheese Frosting

So let’s continue embracing the beauty of this season through our autumn cake decorations and share our creativity with others. One way to bring the beauty of fall foliage into your cake decorating is by using natural elements such as leaves, acorns, berries, and pine cones. These items can be sourced from your backyard or local craft store and arranged tastefully on top of your cake.

Toffee Pecan Caramel Cake with Caramel Cream Cheese Frosting

The seasonal flavors of cinnamon, pumpkin, apple, and more add an extra layer of autumnal charm to our cakes, enticing both the eyes and taste buds. As we wrap up this exploration of autumn cake decorations, it’s clear that the beauty of fall can be wonderfully captured through the art of cake decorating. To create a striking autumn cake design, consider incorporating warm tones like fiery reds, burnt oranges, and deep maroons. These colors mimic the changing leaves of fall and can instantly evoke a sense of coziness and warmth. You can use vibrant colored frosting or fondant to cover your cakes or opt for edible decorations like sugar flowers in these shades to add depth and texture to your design. When decorating a cake with fall foliage in mind, consider using warm tones and rich hues that mirror the changing colors of autumn.

Buttercream Chrysanthemums on Textured Buttercream

From deep oranges and burgundies to golden yellows and earthy browns, the possibilities are endless when it comes to infusing your autumn cakes with the colors of nature. Did you know that almost any cupcake recipe that yields between 12 and 15 cupcakes converts perfectly to a 3-layer 6-inch cake? If you need a smaller cake for an intimate gathering—or even if you just want to practice with your cake baking and decorating tools—consider a 6-inch cake.

Spiced Devil's Food Cake

This one-bowl cake is lightly spiced, moist, and so simple to make. You can whip it up for an after-school snack or any occasion this season. The Mid-Autumn Festival is a harvest festival celebrated by Chinese and Vietnamese people around the world. I love cute fondant pumpkins on the top of the cake. Remember that whenever you are working with buttercream, the freezer is your friend! If at any time your base coat of frosting becomes too soft, you can firm it in the freezer again (15-20 minutes) as needed.

Pumpkin Spice Cake

Give me a box and I’m happy to make myself a home inside of it. This will have more control over the texture of your brush embroidery that you are layering on. All recipes on Curly Girl Kitchen are developed for high altitude at 5,280 feet.

When it comes to autumn cake decorations, incorporating creative techniques can take your desserts to the next level. One popular technique is using fondant leaves to add a touch of nature to your cakes. To achieve this look, you can use leaf-shaped cutters to create realistic-looking leaves out of colored fondant. These leaves can then be arranged on top of the cake or cascaded down the sides for a stunning effect. When it comes to autumn cake decorations, drawing inspiration from nature is key.

Combining Warm Tones and Rich Hues: Creating Visual Interest

Revealed: the top cake trends for 2023 Feature - British Baker

Revealed: the top cake trends for 2023 Feature.

Posted: Wed, 05 Oct 2022 07:00:00 GMT [source]

It’s dense, yet ultra soft, and topped with a tangy cinnamon cream cheese frosting. This is my go-to pumpkin Bundt cake recipe because it’s incredibly moist, perfectly spiced, and is delicious topped with salted caramel or maple icing. Having a go-to pumpkin cake recipe is just as important as having a classic pumpkin pie recipe. This one is supremely moist, soft, rich, and packed with pumpkin spice flavor.

Burnt sugar caramel cake gets its flavor from burnt sugar syrup that is used in both the cake and frosting, creating a truly unique fall flavor. A beloved treat hailing from St. Louis, Missouri, gooey butter cake is just that—gooey, buttery, and incredibly delicious. It starts with a box of cake mix to keep things easy.

It's the perfect snacking cake, especially alongside a cup of coffee or mug of warm tea. Godiva has been one of the mainstream companies at the forefront of incorporating Asian traditions into their company (which is fast expanding in China). The chocolatier has a new limited edition fruit and tea infused mooncake collection released specially for Mid-Autumn Festival. Godiva’s mooncakes are not actually mooncakes, but rather unique chocolates shaped and inspired by the traditional delicacy with a twist. Sunny Bakery in San Gabriel offers the traditional mooncakes like everyone else, but their most unique item is the snow skin durian-stuffed mooncake. The white translucent outer mooncake skin is similar to that of Japanese mochi.

This method results in flowers looking like they’ve been freshly fallen and have a crispy texture. These can be scattered over the surface or arranged in wreaths or garlands on and around the cake. This rich, velvety frosting melts in your mouth spreading layers of comfort synonymous with a fall evening.

These subtle accents not only add to the visual appeal but also reinforce the warm, enticing aroma that is synonymous with fall. Discover how to incorporate autumnal elements like pumpkins, leaves, and warm hues into your designs. Learn the techniques to create edible masterpieces that mirror the season’s charm.

It's the perfect combo of chocolate and peanut butter. Six ingredients—that's all it takes to make this rich, decadent dessert! Sweetened condensed milk and semisweet chocolate make it a once-a-year kind of treat that's perfect for holidays like Thanksgiving.

By playing with color combinations and layering techniques, you can create stunning autumn cake decorations that are sure to impress both visually and deliciously. In addition to warm tones, rich hues such as deep greens, regal purples, and velvety browns can add a touch of sophistication to your autumn cake decorations. These colors work well as accents or as the main focus of your design, depending on your desired aesthetic. By drawing inspiration from nature and utilizing fall foliage in your cake decorating, you can create stunning masterpieces that capture the beauty of the season. Whether you opt for simple leaf accents or intricate woodland scenes, there are endless possibilities for incorporating autumn elements into your cake designs. Embrace the colors, textures, and flavors of fall to create show-stopping cakes that celebrate this magical time of year.

You can experiment with different size brushes, the colors that you would like to use, and also get a feel for the consistency of your buttercream. Strong-brewed coffee in the batter and the frosting really amps up the cocoa flavor, while sour cream and buttermilk keep this luscious dessert decadently rich. Space each leaf properly to make sure each has its own spotlight. A beautiful cake that captures the magnificent spectacle of falling autumn leaves. Engage your artistic side to mix and match colors. Allow leaves to dry completely before placing them on the cake.

Autumn Leaves Brush Embroidery Cake

Table Of Content

• Quilling with Fondant Video~An Autumn Cake
• Buttercream Autumn Wreath Cake
• Pumpkin Streusel Cupcakes
• Places To Find Unique, Modern Mooncakes To Celebrate The Moon Festival
• Mini Bundt Cakes

In addition to pumpkin, cinnamon, and apple, there are many other seasonal ingredients that can elevate your autumn cake creations. For those looking for a unique twist on traditional fall flavors, consider experimenting with ingredients like caramelized pears, maple syrup, or even chai spices. When it comes to creating a visually appealing autumn cake, selecting the right color palette is essential in capturing the warm and cozy spirit of the season. Incorporating rich hues and warm tones synonymous with fall can truly elevate your cake decorations.

Quilling with Fondant Video~An Autumn Cake

As the leaves start to change colors and the air turns crisp, it’s the perfect time to embrace the beauty of fall with stunning autumn cake decorations. From warm tones to rich hues, using elements inspired by nature can elevate your cake decorating game to a whole new level. Whether you’re a seasoned baker or just starting out, incorporating seasonal flavors like cinnamon, pumpkin, and apple can add a delicious touch to your creations.

Buttercream Autumn Wreath Cake

So the very first thing I did was put Tip Wilton 6 in a piping bag with the brown frosting. I started on the left side piping wavy strands around the perimeter of the top of the cake. One long wavy strand at a time and not connecting the two ends.

Pumpkin Streusel Cupcakes

To obtain the picture perfect latte swirl on top, consider a two-tone frosting technique with both pumpkin and coffee flavored frostings. Using a piping bag, pipe the frostings in an alternating pattern to achieve a swirl reminiscent of a latte. Espresso chocolate chip cake is flavored with espresso powder, strong coffee, and chocolate chips, then topped with a creamy espresso coffee buttercream.

Places To Find Unique, Modern Mooncakes To Celebrate The Moon Festival

25 Spiced Fall Desserts To Get You In the Spirit - Southern Living

25 Spiced Fall Desserts To Get You In the Spirit.

Posted: Wed, 02 Nov 2022 07:00:00 GMT [source]

For a touch of seasonal glamour and sophistication, gold leaf offers a truly elegant solution. When used in moderation, it brings a luxurious feel to fall cakes. It’s simple to apply, yet transforms the look entirely. For the final touch, sprinkle pumpkin spice mix over the top.

This article offers a comprehensive guide to fall cake decorating, providing step-by-step instructions, tips, and tricks that will elevate your creations to new heights. So, let’s dive into the world of fall cake artistry where creativity knows no bounds. These chai latte cupcakes feature warm chai spices like cinnamon, cardamom, and ginger, packed into soft and fluffy cupcakes. This chocolate cake roll combines light chocolate sponge cake with sweet vanilla whipped cream and chocolate ganache. Rich and totally irresistible, this dessert is for chocolate lovers everywhere.

28 Things That'll Help You Commemorate Mid-Autumn Festival - BuzzFeed

28 Things That'll Help You Commemorate Mid-Autumn Festival.

Posted: Thu, 14 Sep 2023 07:00:00 GMT [source]

Lastly, here’s a splendid autumn cake with buttercream fall flowers. It reminds me of a perfect afternoon at a park with all of the beautiful fall colors. Autumn created this beautiful cake with dried ferns and textured fondant to mimic the aging stone effect inspired by @jasminraecake‘s signature design. It’s amazing for a fall-themed wedding and for fall wedding cakes inspiration. I think that this cake of mine can pass as a fall cake inspiration! I did this Dulce De Leche cake (one of my favorite fall flavors) for my FIL’s birthday back in September.

The recipe makes 12, so they're the perfect recipe to try for an autumn dinner party with friends. You can make them ahead and simply dollop with whipped cream when it's time to serve. Creating a brush embroidery pattern involves piping shapes with a small round piping tip and then using a small paintbrush to draw the piped buttercream or royal icing inward. You can use lots of small strokes with a fine dampened paintbrush, or you may prefer slightly broader, short strokes.

Pumpkin Sheet Cake

You can choose from a wide range of fillings such as taro, green bean, lotus seed, Chinese sausage, chicken, salted egg yolk, red bean, nuts, pork and even the infamous durian. My Hiep may be a Vietnamese bakery, but they also carry Taiwanese mooncake varieties that look like a dome, cute piglet-shaped mooncakes, and even vegetarian mooncakes. They also have a selection of healthier mooncakes that are made using vegetable oil instead of the traditional lard. Their fillings are not too sweet and the skin is always thin and moist. There’s even a menu board filled with pictures to help with the ordering process.

Incorporating these unexpected flavors into your autumn baking will impress your guests and keep them coming back for more. We have so many cake recipes and tutorials to share with you. This moist Pumpkin Gingerbread Cake is amazingly flavorful and perfect for fall! Stepping up the glamour quotient for your fall cake, a devoted subsection considers shimmering edible glitter.

A key point to ensuring an authentic latte taste is to use real espresso in the batter. Fall brings a bounty of inspiration for cake decorators, with its vibrant colors, cozy textures, and festive themes. Whether you’re a seasoned pro or a beginner, there’s a fall cake decorating idea that’s sure to enchant you and your guests.

This recipe from "The Happy Cook" by Daphne Oz uses whole-wheat flour in the batter and brown sugar in the frosting for a carrot cake unlike any other. My name is Destiny Flores, and I am the proud owner of a cake decorating business named Cake Karma. Our mission is to provide delicious, beautiful cakes for all occasions. We specialize in creating custom cakes that are tailored specifically to each customer’s individual needs and tastes.

Maybe the thought of decorating a cake sends you running for the hills, or you simply don’t have the time. This easy apple cake has quickly become a favorite. You can make it in a 9×13-inch baking pan, and it requires minimal (if any!) decorating. This one features a carrot cake crust—carrots are a seasonal root vegetable, after all—and a thick layer of rich, silky filling. The star of this cake is the extra-thick layer of buttery streusel topping!

Autumn is a season known for its vibrant colors and beautiful foliage, making it the perfect source of inspiration for cake decoration. Utilizing elements from nature in your autumn-themed cakes can create a stunning visual impact that captures the essence of the season. In addition to lighting, styling and composition are essential aspects of capturing stunning images of your autumn cakes. Consider incorporating fall-themed props such as leaves, branches, pumpkins, or acorns to create a cohesive seasonal aesthetic.

If you've never tried baking with soda, you're in for a surprise. The carbonation gives the cake a little extra rise and lighter, more tender texture. Soda is also in the chocolate glaze where it lends a wonderful caramel-like flavor. This simple cake topped with a generous coat of chocolate buttercream frosting is just the thing every kid — and adult— wants to find in their lunchbox. This no-bake cake stacked with layers of grahams, chocolate, and marshmallow brings the flavors of the campfire inside for fall.