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1. – FHA Loan Down Payment Requirements. FHA loans offer a low down payment option for buyers who don’t have a substantial down payment saved up to purchase a home. The minimum down payment requirement for a FHA home loan is 3.5%. Gift Funds Allowed. Gift.

   Home loan deadline approaching for Camp Fire victims – Richardson says for other FHA loans, you’d have to put down three and a half percent, but to qualify for this you typically.