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  • Minimal 3.5% down payment
  • Down payment can be a gift or loan to the borrower from an eligible source
  • Sellers may pay 6% towards closing costs
  • Cash reserves are not required

The Federal Housing Administration (FHA) is an agency within the Department of Housing and Urban Development. FHA loans are designed to help low-to moderate-income creditworthy families by offering a mortgage with lower down payment requirements and less restrictive qualifying criteria. Continue reading