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.
Plain-English explanation
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.
What can change the answer?
Gift source and donor eligibility, seller credit limits, down payment assistance program rules, and source-of-funds documentation can change the answer.
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
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.