Posted on by Stephen Benson Fha Loans Requirements Down Payment Contents Time home buyers Federal housing administration 3.5%. fha loans Payment. fha loans Equity conversion mortgages (hecm) FHA loans have become very popular because the requirements are less strict than conventional loans. Borrowers can qualify for an FHA loan with a down payment as little as 3.5% and a credit score of. Post navigationPrevious post: Lowest Interest Rates For Home LoansNext post: Texas Lending Rates