['FICO® score at least 580 = 3.5% down payment.', 'FICO® score between 500 and 579 = 10% down payment.', 'MIP (Mortgage Insurance Premium ) is required.', 'Debt-to-Income Ratio < 43%.', "The home must be the borrower's primary residence.", 'Borrower must have steady income and proof of employment.']