在1990年代，美国住房管理局放松了向借款人提供抵押担保的条件，将更多的小额首付抵押贷款也纳入了其覆盖的范围。

In the 1990s the Federal Housing Administration expanded its loan guarantees to cover bigger mortgages with smaller down-payments.

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美国联邦住房管理局为太多可疑的抵押贷款提供了担保，其储备资金已低于法律要求的水平。

The Federal Housing Agency has insured so many dubious mortgages that it's already fallen below its legally-mandated reserves.

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问题是现实中购房者必须支付首付，最好是20%，但通常最低是10%(尽管联邦住房管理局和美国退伍军人事务部能够提供其中的5%)。

The problem is that homeowners actually have to come up with a down payment, preferably 20% but usually at least 10% (though FHA and va money is available with 5% down).

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