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In 2019, HUD made home ownership more affordable for millions of Americans with increased loan limits in 3,053 counties due to higher housing prices. FHA limits inform borrowers how much is available for an FHA home loan.

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December 15, 2019
FHA Rates for December 15, 2019
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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 Loans for 2020: Mortgage Expenses You Can Plan For

December 8, 2019 - If you are planning for a new home loan in 2020, saving up early for your loan expenses can be very useful. You may not be able to anticipate every expense for the new loan, but if you buy or build a house in 2020 you’ll want to prepare for some known mortgage-related expenses.

Construction Loans for 2020: Build a House on Your Own Land

December 6, 2019 - Is 2020 the year you have a house built on your own lot with a loan 3.5% down payment? If you are a qualified veteran, that down payment amount is 0% to build on your own land as long as the appraised value matches or is higher than the asking price.

Problems That Can Delay Your FHA Home Loan (Part Two)

December 4, 2019 - In a recent article we discussed issues that can delay the approval or closing date of your FHA home loan. Do you know what these potential problems are? In Part One we discussed how bankruptcy, foreclosure, and appraisal problems may affect your mortgage loan.

Problems That Can Delay Your FHA Home Loan (Part One)

December 3, 2019 - When applying for an FHA home loan, there are issues that can slow down the progress of your mortgage, whether you are applying for a mobile home loan or an FHA One-Time Close Construction Loan. Some may be preventable in the planning stages of your loan.

FHA Loans in 2020: Pay Attention to Your Debt-To-Income Ratio

December 2, 2019 - Your FHA loan options in 2020 include new purchase loans, reverse mortgages, cash-out FHA refinance loans, and the One-Time Close construction loan if you want a house built for you. But planning ahead is key and you will need to examine and work on the amount of debt you carry

Buying a Home in 2020: Low Interest and Foreclosure Rates

December 1, 2019 - Are you thinking about buying a home in 2020? Mortgage loan interest rates on FHA, VA, and conventional home loans were at incredible lows in 2019. Will these trends continue into the new year? While it's possible, it's not safe to assume that current rates and terms will continue.

How to Safely Get an Online Home Loan

November 30, 2019 - There are definitely ways to protect yourself in the online home loan process. The best and most obvious advice is to never respond to unsolicited communication involving a home loan. In other words, if you the customer did not initiate the conversation, it’s best not to respond.

Late Payments Hurt Your Chances for a Cash-Out Refinance

November 29, 2019 - If you are applying for a refinance loan that requires a credit check, make sure you have made all payments on time for your mortgage and all other financial obligations. You'll benefit greatly if this is true for a minimum of 12 months ahead of your loan application.

What Dave Ramsey Doesn't Mention About How to Buy a House

November 27, 2019 - Many people turn to Dave Ramsey for financial advice, and on the Dave Ramsey official site, there is a page dedicated to buying a home titled, How To Buy A House. This page has a subsection titled “How To Buy A House In Seven Steps.”

Home Buying Tips

November 26, 2019 - re you a first-time home buyer? You’ll read lots of advice here and elsewhere about starting early, saving your money, and working on your credit. But what about the actual process of finding and buying a home?

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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!