Dreaming of owning your own home? The FHA $100 Down Program can make it a reality — with a minimal down payment and simple requirements.

The Martinez Family’s Journey to Homeownership with the FHA $100 Down Program

The Martinez family recently moved to the United States and had been renting a small apartment for a long time, dreaming of owning their own home. However, the high upfront costs seemed out of reach. In 2025, they discovered the FHA $100 Down Payment Program, which allowed them to buy a $250,000 home with just a $100 down payment instead of the usual 3.5%. Additionally, this program allowed them to include $10,000 in renovation costs in their mortgage using FHA 203(k) financing.

Key Program Requirements:

The buyer must use the home as their primary residence.

They must not have owned a home in the past 12 months.

A full-price offer must be submitted through a HUD-approved real estate agent.

The Martinez family successfully completed all the steps and now owns their own home, taking the first step toward financial stability.

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AI-Assisted Content Disclaimer

This article was created with AI assistance and reviewed by a human for accuracy and clarity.