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The good news is, you don't need to put down 20% to buy a home. In fact, you may be able to buy a house with no money down if you served in the military, are a rural home buyer, are a member of.. The specific requirements needed to qualify for an FHA loan include: A minimum credit score of 500. A down payment of at least 3.5%. The home must be your primary residence. The home appraisal has.

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For FHA loans, for example, the seller can cover a maximum of 6% of the purchase price, while the maximum concession for a conventional loan (with a down payment under 10%) is 3%.. VA loans and USDA loans are government-backed mortgages that allow 0% down payments. If you don't qualify for a zero down option, you may still be able to put as little as 3% down. Coming up with.