03/03/2026
Buying a home in 2026 with just 3.5% down is absolutely possible — and it may be closer than you think.
Here’s how it works:
FHA Loan (3.5% Down)
The most common way to buy with 3.5% down is through a loan backed by the Federal Housing Administration (FHA).
Key basics:
* Minimum down payment: 3.5%
* Minimum credit score: Typically 580+
* Available to: First-time and repeat buyers
* Gift funds allowed: Yes (family can help with down payment)
💡 Example:�On a $300,000 home → 3.5% down = $10,500
That’s often less than people expect.
Estefania Camacho Realtor®
Innova Realty
📲 713-582-6970
💌[email protected]
