FHA Construction-to-Permanent Loan: 2025 Complete Guide Discover how FHA construction to permanent loans make building your dream home accessible with down payments as low as 3.5% and credit scores starting at 580. This comprehensive 2025 guide walks you through qualification requirements, the single-closing process, cost breakdowns, lender options, and step-by-step strategies for successfully financing ground-up home construction when conventional loans require unattainable 20-25% down payme...