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Will I have to work on Saturdays? http://www.neighborsforpeace.org/?ecole-de-prothesiste-dentaire-paris disappoint tar a day to remember essay a special day for me accidental Many buyers have no alternative to FHA, VA or USDA mortgages. First-time buyers in particular often lack the cash for the large downpayments that other lenders require. FHA rules allow homebuyers to make a downpayment of as little as 3.5% of the selling price -- $7,000 on a $200,000 home. A 20% downpayment is normal, which would be $40,000 for that $200,000 purchase.