The FHA changes that were rumored late last year have begun to trickle out and the initial announcement is not quite as bad as we heard it might be. Downpayment requirements for borrowers with a FICO score less than 580 will increase to 10%. Those with scores above 580 will continue to qualify for the 3.5% downpayment currently available to all. In addition, the upfront Mortgage Premium will increase from 1.75% to 2.25%.