What Is Usda 100 Percent Financing Mortgage Programs Texas Fha Program Guidelines FHA HUD $100 Down Program – FHA Mortgage Source – Flexible credit qualifying under normal fha guidelines. Low secure fixed interest rates, just like the regular fha program. $100 down payment instead of the usual 3.5% minimum FHA requirement. Eligible for up to $5,000 in escrowed repairs. HUD can also pay buyers closing costs as part of the contract negotiations.