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For 2021, HUD made home ownership more attainable for millions of Americans by increasing the loan limits in 96.13% (3,108) all of the 3,233 counties where they back home loans. FHA limits inform borrowers how much is available for an FHA home loan. These new loan limits are effective for case numbers assigned through Dec. 31, 2021.

FHA Rates Near 50 Year Low!

Now is the time to drop the interest rate on your 30-year mortgage or refinance into a 15-year home loan.

FHA Rates for January 23, 2021

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Find out why FHA mortgages with low down payments are so popular with homebuyers.

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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

Mortgage Rates in Early 2021

January 18, 2021 - 2020 was a newsworthy year for many important reasons, but for the housing market one of the biggest headlines involved volatility in mortgage loan interest rates for both government-backed mortgages like FHA loans and VA mortgages as well as for conventional lenders.

Monitoring Your Credit Before a One-Time Close Construction Loan

January 17, 2021 - Credit monitoring is important when preparing for any home loan and borrowers interested in building a home on their own lot using a One-Time Close (OTC) construction loan should consider investing in credit monitoring as early as possible for best results on their loan application.

FHA Home Loans and Escrow: What You Need to Know

January 14, 2021 - Escrow accounts are used to hold the money you need to make a good faith deposit, pay property taxes, etc. The money is placed in the account and allowed to stay until the payment date. Escrow is basically a place to hold the money as it changes hands.

FHA and HUD Announce Streamlined FHA Loan Certification Form

January 11, 2021 - The FHA and HUD have undertaken multiple efforts to streamline aspects of the FHA loan program. The latest of these efforts includes a more user-friendly FHA loan certification form. FHA officials say the new revised loan-level certification is a step forward for both clarity and accuracy.

FHA Home Loan Discount Points

January 8, 2021 - Points can be paid up front by the borrower or rolled into the loan amount depending on the loan and the lender, and some wonder if they should purchase points as they are planning and saving for the new loan. When is it a good idea for borrowers to purchase discount points?

FHA Loans Will Look Different in 2021

January 6, 2021 - First-time home buyers won’t notice, but some of the FHA loan paperwork typically dealt with during the home loan process is changing. The changes are part of a larger move dictated by something known as the Housing Finance Reform plan.

Home Loan Resources for First-Time Buyers

January 3, 2021 - If you are considering your first home loan, there are some great resources you should use in your planning and saving stage of the mortgage. No new borrower has all the information they need to buy a home at their fingertips in the early days.

Five FHA Loan Tips for the New Year

January 1, 2021 - Whether you’re looking at a starter home or you want to build a house on your own lot to retire in, there are many options with FHA mortgages and not all of them involve purchasing someone else’s suburban house; you can choose from condo units, mobile homes, and more.

Home Construction Mortgage Options: One-Time Close Loans

December 30, 2020 - If you want to build a home on your own land or on land you buy in conjunction with your construction loan, you should know there are a variety of construction mortgages out there and  not all of them are the same.

FHA and HUD Announce Extended COVID-19 Mortgage Relief

December 24, 2020 - This is not the first time the agency has modified the expiration dates of COVID-19 mortgage relief measures. It’s actually the fourth such extension and is applicable for all FHA mortgages except for buildings that are considered abandoned or legally vacant.

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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!