Can I buy a home with less than 20% down? Absolutely, our mortgage lenders have conventional loans that now only require 3% down. FHA loans require 3.5% down and USDA Rural Development Loans available in Washington County require zero% down but does have income requirements. (A 4 person household can’t make a combined income over $83,950) Thinking of buying a home and want more information? Call the local experts at WC Real Estate: 402-426-2600, agent ALWAYS on duty!