Can I Buy With 3.5% Down on FHA? | The 2 Mortgage Guys

Yes — many FHA buyers purchase with 3.5% down and a 580+ credit score. See gift funds, MIP, and cash-to-close with The 2 Mortgage Guys.

Can I Buy With 3.5% Down on FHA? | The 2 Mortgage Guys

Yes — many FHA buyers purchase with 3.5% down and a 580+ credit score. See gift funds, MIP, and cash-to-close with The 2 Mortgage Guys.

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 Calculators

Frequently Asked Questions

Get Pre-Approved With 3.5% Down

LOAN PROGRAMS

CLIENT BENEFITS

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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.

Run the numbers before you apply — then get a real pre-approval from Ryan or Steve.

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.

Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at .

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Ryan Minick NMLS# 203249

Steve DeLon NMLS# 202876

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1221 Appletree Lane, Kokomo, IN 46902

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Can I Buy With 3.5% Down on FHA? | The 2 Mortgage Guys