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FHA loans are usually issued by a FHA approved lender and backed by the Federal Housing Administration. Usually for those with lesser than stellar credit and requires usually 3-3.5% down for the purchase along with private mortgage insurance is added to the loan as well since less than 20% is put down. Only $0 down payment option I've personally seen is from my credit union, but there are programs and such that will assist with a down payment as well.