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FHA Down Payment

3.5% FHA Down Payment

HUD recently announced that FHA down payment requirements were increased for FHA finance transactions. FHA down payments start at 3.5%, so consumers can still become homeowners with very little deposited into their home. Down-payment assistance is only allowed in a few states, so check with your FHA lender to see if you qualify for down-payment assistance or a low FHA down payment at 96.5% loan to value. First time homebuyers continue to choose FHA financing when considering home buying options. We offer loans for first time home buyers. The Federal Housing Administration provides a great opportunity for home buying with only a 3.5% down-payment needed.

Secure FHA Finance

FHA financing provides new opportunities for borrowers with less than perfect credit to qualify for affordable FHA home loans!

FHA Home Refinance
FHA Streamline
No Money Down Home Loans
Cash Out Loans with FHA
Pre-Approval Mortgage


FHA continues to overcome home financing obstacles with flexible credit guidelines and FHA loan requirements.  FHA loan rates have been reduced even further in 2010 so many new borrowers are becoming first time home buyers with FHA finance assistance.


15-Year FHA Rates | 30-Year FHA Rates | 5-Year ARM Rates
All FHA mortgage products are provided by FHA Home Loan Services, which may arrange loans with third party providers. FHA Home Loan Services is national mortgage lender. Not everyone will qualify for a government insured mortgage. FHA Home Loan Services cannot guarantee all loans will be made or whether all loan applications will be approved by the investing bank.
This is not a commitment for a FHA house loan or an advertisement for credit as defined by paragraph 226.24 of regulation Z.
©2008 FHA Home Loan Services - All Rights Reserved - Disclaimers