Approaches for Layer Your FHA Loan Down-payment Such as for example, the new Fl Help program cuts back your deposit of the as much as $ten,000. Furthermore, the brand new La Casing Department’s LIPA system also offers qualifying candidates due to the fact much as $161,000. Officially, the FHA does not give any zero-down-payment home loan selection. Extremely being qualified individuals must set out 3.5% of its house’s price, and individuals which have fico scores anywhere between 500 and you can 579 need 10%. But not, you can find getting an enthusiastic FHA financing no down-payment, instance utilizing down-payment recommendations or any other methods to beat extent had a need to personal on your loan. Having problems putting money away for the FHA financing advance payment or simply just need get today and do not have the time to save? Listed below are some almost every other strategies for covering your deposit one don’t require the bucks at hand. Provide Loans Household members Best friends Companies and you may work unions Charities Bodies organizations There is absolutely no limit towards amount of provide fund you might discover having an enthusiastic FHA mortgage.