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Jumbo Loan Down Payment Requirements Current Fha Down Payment Requirements Down Payment For Conventional Mortgage First Time Home Buyer Loans – Down Payment Grants – One of the most important decisions you’ll need to make when buying a home is choosing the best mortgage lender and loan program. On this page, you can learn more about the different types of mortgage programs, as well as some of the best mortgage lenders for first time home buyers.fha increases Down Payment For Some, For All – In last year’s annual audit, it was revealed that FHA had fallen below the 2 percent capital reserves required by Congress. The current level of capital reserves is somewhere around .53 percent,