Buy With 3.5% Down
Can I Buy a Home With 3.5% Down?
How 3.5% Down Works on FHA
Ways to Reduce Cash to Close
What You Still Need to Document
How We Structure Your Offer
Keep Exploring
Related Blog Posts
Frequently Asked Questions
Get Pre-Approved With 3.5% Down
Yes — FHA lets many buyers purchase a primary residence with just 3.5% down when the credit score is 580 or higher. Gift funds can cover the entire down payment when documented correctly.
Low down payment is the headline — cash to close is the real number.
3.5% down is only one lever. These moves often matter more at the closing table.
Low down payment does not mean light paperwork.
The right contract language keeps FHA 3.5% down files from stalling in underwriting.
Step
Related guides to help you compare options and move toward pre-approval.
2MG Daily
Recent articles from our blog on FHA down payments and first-time buyers.
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We will map your cash to close — down payment, closing costs, and MIP — before you write an offer.
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