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FHA loans are designed to help homebuyers—especially first-timers—get into a home with as little as 3.5% down and 0% down using grants and assistance.
Thanks to FHA backing, buyers with mid-range credit (around 680) may qualify for rates typically reserved for top-tier conventional borrowers.
If your credit isn’t where you want it to be, FHA financing could still be within reach. You may qualify with just 3.5% down and a 580 score and 10% down with 500.
With an FHA loan, sellers can cover up to 6% of your closing costs, reducing out-of-pocket expenses. That’s twice as much as most conventional loans allow.
