FHA $100 Down Program
Buy a HUD-owned home with just $100 down.
How it works
The FHA $100 Down program lets buyers purchase a HUD-owned (REO) home with only a $100 down payment instead of 3.5%, in participating states and while inventory lasts.
Key things to know
- Minimum 3.5% down with a 580+ credit score (10% down for 500-579).
- Loan amounts are capped by your county FHA limit — $541,287 floor up to $1,249,125 in high-cost areas.
- FHA mortgage insurance applies; budget the 1.75% upfront premium plus annual MIP.
- The home must be your primary residence and meet FHA's minimum property standards.
Program rules are set by HUD and updated periodically. Join the free notification program to hear about changes to the FHA $100 Down Program first.
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Frequently Asked Questions
- What is the FHA $100 Down Program?
- The FHA $100 Down program lets buyers purchase a HUD-owned (REO) home with only a $100 down payment instead of 3.5%, in participating states and while inventory lasts.
- What credit score and down payment are required?
- Like other FHA loans, 580+ qualifies for 3.5% down; 500-579 requires 10% down.