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Home Loans for Single Moms: Mortgage and Home Buying Help – FHA loans usually have low interest rates and only require 3.5 percent down. (That down payment can come as a gift too.) Also, your credit score doesn’t have to be excellent either. Depending on the lender, a minimum of 600 is accepted in most areas, while some accept 580. One of the down sides of an FHA loan is the mortgage insurance premium (MIP). It’s usually almost double what most people pay with.