Buying a Home in Cypress, TX? Here's How FHA and Conventional Loans Compare | Niky Barker, REALTOR®, MRP | The Barker Group | Keller Williams Signature TL;DR: FHA loans are easier to qualify for and require as little as 3.5% down, making them a solid path for Cypress buyers still building credit or savings. Conventional loans typically cost less over time if your credit score is strong and you can put down 20% or more. Knowing which fits your financial profile before you sta