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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.

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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

FHA Loan Rule Changes Allow Private Flood Insurance

November 30, 2022 - ​Changes to the FHA home loan program make it possible for homeowners in certain known natural disaster areas to apply for private flood insurance. At one time the only option for this insurance was through something called the National Flood Insurance Program.

FHA Mortgages and Insurance Considerations

November 28, 2022 - When it’s time to commit to buying your new home, you will have some considerations to make where insurance is concerned. You will definitely need mortgage insurance, and some borrowers will also need hazard insurance.

FHA Home Loans and Housing Indicators at the End of 2022

November 26, 2022 - Improvements in the housing market don’t happen overnight, but HousingWire.com reports typical time that a home spends on the market is increasing. After the hot seller’s market of 2022, some infer there is less competition for existing homes now.

Mortgage Rates and Housing Market Trends

November 25, 2022 - The last quarter of the year typically brings commentary on what the next year will bring where the economy and the housing market are concerned. This year’s housing market issues were of major concern with rising mortgage rates and house prices; what are pundits saying about what awaits in 2023?

Understanding Your FHA Home Loan Mortgage Payment

November 22, 2022 - Buying a home with an FHA mortgage requires you to make a down payment, pay closing costs, and ultimately accept the keys and move into your new home. And once that step is done, your first monthly mortgage payment is on the way. 

Help for First-Time Homebuyers

November 19, 2022 - FHA home loans are for many different kinds of borrowers including those who have never owned a home before, those who want to buy and renovate, those who want manufactured homes, or condos.

Adjustable Rate Mortgage Pros and Cons

November 17, 2022 - he reason many apply for an FHA Adjustable Rate Mortgage (FHA ARM) option is because they want to take full advantage of the intro rate or teaser rate, and plan to refinance later on when the mortgage rate environment is more borrower-friendly.

FHA Loan Approval Changes Could Help First-Time Borrowers

November 16, 2022 - The FHA and HUD announced changes to FHA loan approval procedures for first-time homebuyers. The changes essentially give a participating FHA lender the ability to consider qualifying positive rental payment history as a factor in loan approval.

Questions to Ask Your Lender Before Buying a Home

November 14, 2022 - If you are planning to build or buy a home with an FHA loan, there are some questions you want answered before you commit to a particular lender. Some of the answers may be common among participating lenders, and others may vary.

Mortgage Market Trends: Home Prices to Drop In 2023?

November 13, 2022 - Will house prices fall in 2023? Leading mortgage industry reports say it’s entirely likely based on indicators from Fannie Mae, better known as Federal National Mortgage Association. The new year will definitely bring new FHA loan limits, but it also may bring lower asking prices.

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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!