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FHA Down Payment Requirements

One of the primary advantages of an FHA loan is the low down payment requirement. According to HUD guidelines, the minimum down payment for an FHA loan is 3.5% of the purchase price or appraised value (whichever is lower). This means on a $250,000 home, you would need just $8,750 as a down payment. However, borrowers with credit scores between 500 and 579 are required to make a minimum down payment of 10%.

Acceptable Sources for Your Down Payment

FHA guidelines, as outlined in HUD Handbook 4000.1, specify which sources of funds are acceptable for a down payment:

Sources That Are NOT Allowed

FHA rules explicitly prohibit certain down payment sources to prevent predatory lending and ensure borrowers have a genuine stake in the property:

Down Payment Assistance Programs in Pennsylvania

Pennsylvania offers several programs that can help FHA borrowers with their down payment:

Strategies to Save for Your Down Payment

Even with FHA's low 3.5% requirement, saving for a down payment takes planning. Set up a dedicated savings account and automate monthly transfers. Reduce discretionary spending and consider a temporary side income. If you receive a tax refund, bonus, or other lump sum, direct it toward your down payment fund. Remember that you will also need funds for closing costs, typically 2-5% of the purchase price, so plan accordingly.

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