Best Regards, Steve
The answer to this question is simple. Simply ask your lender if the case number was ordered before December 31, 2008. If it was you have a good chance of still putting down only 3%.
Century 21 Beachside
As of January 1, 2009, FHA changed their downpayment requirement to 3.5%. This change was announced in 4th quarter of last year.
You can still have someone gift it to you, the amount is just higher.
You can also get the seller to include some closing costs. I am not a lender, but do know a little about this.