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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

Buying a Home With an FHA Loan in a Flood Zone

September 26, 2022 - Knowing the FHA loan rules for loan approval in certain regions of the country can be important especially if the home you want to buy may be located in a known flood zone. Homes in certain types of flood zones or Special Flood Hazard Areas are not eligible for FHA mortgages. 

FHA Appraisal Rules: Heating, Cooling, Plumbing

September 25, 2022 - FHA appraisers must follow certain rules governing the process including some that address specific systems in the home. Some FHA appraisal requirements depend on standards set by the local authority, while others have specific guidance found in FHA rulebooks.

HUD Announces Settlement in Dallas Housing Discrimination Case

September 17, 2022 - ​The Department of Housing and Urban Development has announced a settlement in a housing discrimination case involving the Housing Authority of the City of Dallas (DHA), which requires the agency to pay a whopping $500,000 penalty to a former resident of public housing there.

FHA Single-Close Construction Loans and Rehab Loan Issues

September 16, 2022 - If you seek an FHA One-Time Close construction loan or an FHA 203(k) Rehabilitation loan, there are some questions to ask when comparing lenders. You will need to know the lender’s policy on things like how the loan converts from the construction phase to the permanent phase.

Unpaid Federal Debts and Your FHA Loan Application

September 15, 2022 - Does it hurt a borrower’s chances when applying for an FHA mortgage loan if there’s a debt owed to the federal government? Can unpaid federal taxes become a barrier to an FHA mortgage loan? The FHA recognizes two types of circumstances–tax debt and non-tax debt.

FHA Home Loans and HOA Agreements

September 14, 2022 - Borrowers who want FHA condo loans, or who buy homes in neighborhoods that have homeowner associations may be required to sign agreements for maintenance of common areas, agreements not to radically alter the exterior aesthetics of the home, or other covenants.

Streamline FHA 203(k) Rehabilitation Loans

September 13, 2022 - The FHA offers something called a 203(k) Rehab loan for borrowers who want to purchase and rehab a property. This is a great loan offering, but what about borrowers who don’t need to do extensive rehab work to a home?

FHA Construction Loans vs. FHA Purchase Loans

September 12, 2022 - What makes an FHA One-Time Close construction loan different from a FHA purchase loan? There are important features of each type of loan that you should know about before you commit to either loan type. Are you fully committed to building instead of buying an existing home?

Can I Get a Refund on My FHA Appraisal?

September 11, 2022 - Many first-time homebuyers have questions about the FHA appraisal process, including whether or not they can get a refund from an appraiser in cases where a house has not been approved for an FHA mortgage or when the home’s appraised value comes back lower than expected.

FHA Loan Rules for Late and Missed Payments

September 10, 2022 - Are you in danger of missing payments? Are you in danger of missing payments on your current rent or mortgage? Those missed payments in particular can be especially dangerous if you need to apply for a new FHA home loan.

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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!