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! Yes, there are a couple catches. FHA loans have higher fees than conventional loans, and you must meet credit and income requirements. Down payment assistance programs vary by location and lender, so check eligibility carefully. Always compare and consult a financial advisor.