Government Funding To Buy A House Down Payment Required For Fha Loan FHA Down Payment. The FHA requires you to make a down payment when buying a home with an FHA loan. The minimum down payment is 3.5 percent of the home’s purchase price. fha minimum Down Payments. If your fico credit score is less than 580, you might be required to make a 10 percent (or more) down payment, according to some FHA lenders.