Can I get FHA with no money down?
FHA itself requires 3.5% down. The down payment can come from gift funds or from a down-payment-assistance program — that is the closest FHA gets to zero out-of-pocket.
What this actually means.
DPA programs (state, county, or city) can supply the 3.5% as a grant or second-lien loan. The borrower brings closing costs, which can be partially covered by seller credits or lender credits.
Where this can move.
Gift source and donor eligibility, seller credit limits, down payment assistance program rules, and source-of-funds documentation can change the answer.
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More FHA questions on Down Payment.
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.