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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

FHA Home Loan Questions and Answers: 5 Things to Know

May 10, 2022 - Buying a home involves many small details and first-time homebuyers often have to resort to checklists or other means to keep everything organized. What do you need to know at the start of your first home buying journey?

Is an FHA One-Time Close Construction Loan Right for You?

May 8, 2022 - Some people aren’t sure which home loan product is right for them. In some cases it’s a question of supply and demand; if you seek an FHA manufactured home loan in New York City you are likely to be disappointed. But what about less obvious issues?

How to Compare Home Loan Offers

May 7, 2022 - Would you buy or rent the very first property you viewed in the house-hunting process? Few people would take the first property available without comparing it to others. Why would you treat the mortgage portion of your home ownership journey any differently?

Fair Housing Month 2022 Ends but the Fight Continues

May 6, 2022 - Housing discrimination persists in America despite federal laws requiring it to end; the Department of Housing and Urban Development encourages all who may have experienced some form of discrimination in the housing process to come forward.

Things to Consider Ahead of Your FHA Home Loan Application

May 5, 2022 - What do you need to consider in the planning stages of your FHA home loan? Some may not be sure how long it takes to save up for a down payment and closing costs, or what it takes to prepare credit ahead of a home loan.

HUD Announces Agreement With Bank of America in Fair Housing Case

May 3, 2022 - The Fair Housing Act makes it illegal to discriminate. No one should be denied a loan, services, or help due to non-financial reasons such as national origin, race, religion, marital status, sexual orientation, gender identity, or any factor listed in the Fair Housing Act. 

Planning to Buy a Home With an FHA Loan?

May 1, 2022 - If you are purchasing your first home, it’s entirely possible that you already know you won’t be keeping the home for the full loan term. And with that in mind, consider the future when selecting the size and type of property.

FHA Announces 40-Year Mortgage Modification Option

April 29, 2022 - The new FHA 40-year modification with a partial claim option has been introduced as part of the FHA COVID-19 recovery program, but it’s an option that may be used by lenders as a last resort to be considered if other recovery options have been attempted.

FHA Mortgage Loans and Name Change Issues

April 28, 2022 - Name changes may be motivated by several things. One is marriage. For others, a name change may be needed due to divorce. For some, it may be a question of someone who has completely changed names in association with identifying as non-binary or transgender.

Prepaying an FHA Mortgage

April 26, 2022 - Did you know that under the FHA loan program you cannot be penalized for prepayment and/or early payoff of the loan? Paying more than you owe each month or making multiple payments shouldn’t cost you more. Neither should the act of paying your loan off ahead of schedule.

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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!