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FHA Down Payments

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First-Time Homebuyers

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What is the minimum down payment I can make for an FHA loan?

The minimum down payment is expressed in percentage of the loan, not in a dollar amount. FHA loan rules specify that this amount is 3.5%, but in some cases the lender may require a higher down payment...

What do I need to consider when I'm shopping for an FHA loan?

Shopping around for the right mortgage will help you to find the right loan type an the best deal. A mortgage is a product, just like a car, so the price and terms may be negotiable. You’ll want to co...

The FHA Loan is the type of mortgage most commonly used by first-time homebuyers and there's plenty of good reasons why.

FHA Loan Guide
Learn About FHA Requirements!

FHA.com is a privately-owned website that is not affiliated with the U.S. government. Remember, the FHA does not make home loans. They insure the FHA loans that we can assist you in getting. FHA.com is a private corporation and does not make loans.

FHA Loan Limits
MIP Information
FHA Closing Costs
FHA Debt Ratios
FHA Credit Issues
Loan Checklist
A good FICO score is key to getting a good rate on your FHA home loan.
FHA Requirements
Credit Benefits
Improving Credit
Be smart when it comes to your FHA loan and your financial future.
Ability to Borrow
Loan Affordability
Loan Payments
Streamline Refi
Cash-out Refi
Rehab Loan
Simple Refi
FHA Reverse
This program lets buyers get a single loan with just one closing.
Construction Loan
Buyer Benefits
Builder Benefits
Build on Your Land
FHA Fixed Rate
FHA ARM
FHA Jumbo Loans
Condo Loans

Important FHA Terms

Important FHA Terms

FHA Down Payments

FHA Down Payments
Common FHA Questions and Answers

Common FHA Questions

Purchase or refinance your home with an FHA loan. You can get one with a down payment as low as 3.5%. Browse through our frequent homebuyer questions to learn the ins and outs of this government backed loan program.

Go To Questions
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