Hi Sue, confirm with your FHA lender, but I believe if the FHA case number was issued before 2009, and there was also an identified property before the end of 2008, then the min down should still be 3%. Also, as a side note, also as about the FHA's Energy Efficient Mortgage program! It's extra cash for energy improvements that does not negatively affect you debt-to-income ratio.
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.