Low down payment
HUD states FHA down payments can be as low as 3.5% for qualifying borrowers.
LOW-DOWN-PAYMENT OPTION
FHA Home Loans
FHA-insured mortgages can be useful for buyers seeking flexible qualification and a relatively low minimum down payment.
Apply Now ↗Mortgage insurance applies
FHA loans include mortgage insurance costs. Your lender can explain upfront and ongoing premiums for your scenario.
Primary-residence financing
FHA purchase financing is generally designed for owner-occupied principal residences and eligible properties.
Credit still matters
FHA insurance does not mean automatic approval. Lenders evaluate credit, income, debts, assets and property requirements.
Compare the full payment
Compare FHA with conventional and other eligible programs using total monthly payment and cash-to-close—not down payment alone.