“The VHDA provides struck a unique handle Fannie Mae using this program, in fact it is created for first-time and repeat homeowners with a credit history with a minimum of 640. Down-payment requirement start at just 3 %. The inexpensive monthly payment and reduced initial price is great, however it’s the insurance advantage that actually shines.” VHDA FHA Plus Loan If you are really into a regular FHA mortgage, but