A: No.  At the time of this posting the FHA has no plans or systems in place to allow use of this credit as a way to fund a down-payment of a purchase.  

Why?  Well, there are a few factors to look at;

First, there would need to be a government and/or non-profit agency to track these loans and make sure the money was recovered by the Buyer’s who used it.  To my knowledge this ‘agency’ has not been created.

Second, the Banks would need to approve the funding of an additional loan ( a 2nd mortgage in lending terms ) on top of first mortgage.  Banks have already been bitten once by this practice, and I’m sure they will be twice as shy to do this again.

Third, the mortgage default rate is 3 times higher on loans where the Buyer had no personal or monetary investment.