Concerned that you don’t have enough up-front cash to buy a house? The FHA mortgage might be the ideal solution for you. The down payment requirement is only 3.5% and we can help you pay closing costs. The FHA program allows a borrower to carry a higher debt load than a conventional loan, and can be more tolerant of credit blemishes. The use of grant or gift programs can help bridge the gap in cash "available" and "cash needed" to close.