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Message: <blockquote data-quote="DriveInDriѵeOut" data-source="post: 1592721" data-attributes="member: 44954">When was the last time you looked into buying a house?  The housing collapse change a lot.The 20% down requirement is back big time.  Sure, you can put down as little as 3.5% with an FHA, but then you're required to buy mortgage insurance which adds hundreds a month to your payment, thousands over the course of the loan unless you refinance once you get enough equity.I'm not sure what you're talking about when you say others foot the bill.  In a lot of ways, the FHA program is now one huge hand out to the banks and insurance companies, not the poor and middle class.</blockquote>