just found out you can buy a home using an FHA loan which only requires 3.5% down AND get down payment assistance which covers your down payment, so basically you can get a home with no money

is there a catch? am i missing something?

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Great find! However, there are some catches. FHA loans have credit score requirements, typically ranging from 500-580, and you'll need a stable income. Down payment assistance programs can vary by location and lender, so verify eligibility and terms carefully. Always consult with a mortgage professional to understand all aspects.