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The Federal Housing Administration increased the loan limits for 2022 in 97.06% or 3,188 counties across the country. FHA limits inform borrowers of the maximum allowable loan amount available to purchase a home for every county.

FHA Loan Programs for 2022

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FHA.com is a privately owned website, is not a government agency, and does not make loans.

FHA Loan Requirements

Lower Standards for Credit Scores and Down Payments

Whether you're a first-time homebuyer, moving to a new home, or want to refinance your existing conventional or FHA mortgage, the FHA loan program will let you purchase a home with a low down payment and flexible guidelines.

580 Credit Score
- and only -
3.5% Down


FHA loan limits were established to define how much you can borrow for a HUD-backed mortgage. Each state has different limits, so be sure to look up your state to understand what is available for your FHA home loan.

Paying the upfront costs of buying a new home can be challenging. To help overcome this hurdle, many local and state agencies offer down payment assistance in the form of grants or second mortgages.

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FHA Loan Articles and Mortgage News

Your Monthly Mortgage Payment: What You Should Know

June 28, 2022 - With a home loan you should consider doing some calculations on the amount you pay on the loan principal and the interest, divided by the number of months you are obligated to on the mortgage note. Also consider a shortlist of other expenses that may be included.

What Borrowers Should Know About FHA Loans for Home Renovation

June 26, 2022 - If you need to apply for an FHA home loan to renovate, the first thing you need to know is that while FHA loan rules say you may be allowed to be your own builder or contractor, doing so may be up to lender standards.

How Much Is My Monthly FHA Mortgage Payment?

June 23, 2022 - What information do you need to have when you need to answer the question about how much your monthly mortgage payment be? It’s not just a matter of dividing the loan amount by the number of months and calculating the interest on your loan.

Know This Before You Build or Remodel a Home

June 21, 2022 - FHA loans aren’t just for existing construction houses. There are also low down payment FHA loans that can help you build or renovate a home.  An FHA One-Time Close mortgage is an option to consider, with its low 3.5% down payment requirement.

HUD Announces Funding for Fair Housing Organization

June 19, 2022 - The Department of Housing and Urban Development has announced more HUD funding to help Fair Housing agencies fight violations of the Fair Housing Act including illegal discrimination in the housing process. It’s the latest move in a wave of actions the agency has taken recently.

FHA Adjustable Rate Mortgage Options

June 18, 2022 - FHA ARMs, also known as adjustable rate mortgages, can be useful in times of rising mortgage rates. The introductory rate is sometimes referred to as a teaser rate and may be lower than what you would be offered through a fixed rate mortgage.

Applying for an FHA Mortgage

June 16, 2022 - There are multiple phases to the homeownership journey. In the planning and saving stages, you’ll decide what kind of home to buy and what kind of down payment to make. Once you have reached the stage where you are actually ready to apply for the loan, do you know how that process works?

HUD Announces National Homeownership Month

June 14, 2022 - The FHA and HUD have multiple programs to ensure fair housing. Recent initiatives announced in 2021 to address some of the issues are meant to better serve communities of color, first-time home buyers, and low-to-moderate income borrowers.

What You Should Know About Home Equity

June 13, 2022 - Home equity is the difference between the current market value of the home and the amount you still owe on the mortgage. But that market value is subject to change depending on supply and demand, interest rates, and other factors.

Condo Loans and Condo Unit Approval

June 11, 2022 - Homebuyers may have trouble finding a condo project that is on the FHA-approved list. The good news is that changes in FHA loan policy have made it possible to consider an individual condo unit even if the project itself is not on that FHA list.

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If you’re getting ready to shop around for mortgage options, it’s a good idea to brush up on some of the technical terms in our Mortgage Glossary. You’re going to be hearing a lot of them!