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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 October 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

Considerations When You Want to Refinance

October 14, 2021 - Make the most informed decision about your refinance options as you can considering both. You can negotiate a better rate, monthly payment, or take cash out on the transaction if you choose your loan carefully and do so with an eye on your financial goals.

FHA and HUD Announce Disaster Relief for FHA Borrowers In Vermont

October 13, 2021 - The FHA and HUD have announced foreclosure relief measures and other disaster recovery options for those affected by flooding and storms in parts of Vermont during the summer of 2021. HUD extended an automatic 90-day foreclosure moratorium for Windham and Bennington counties.

FHA Loan Facts You Should Know

October 12, 2021 - Do you have misconceptions about how FHA home loans work? Some people mistakenly count themselves out of the running for an FHA mortgage for reasons that simply are not true. Don’t count an FHA mortgage out of the running if you are comparing loan products to see which one is best for you.

Ways to Improve Your Credit Ahead of Your Home Loan

October 9, 2021 - If you need a home loan, you’re likely planning and saving in advance of your application--applying for a home loan means putting money aside for a down payment, saving for closing costs, and working on your credit and debt ratio in the meantime.

FHA and HUD Announce New COVID Relief Measures

October 8, 2021 - During the pandemic, the Department of Housing and Urban Development announced a variety of COVID-19 relief measures for those with FHA mortgages. This comes as new relief for borrowers recently or newly struggling to make their mortgage payments because of the pandemic.

Four FHA Home Loan Tips for Buying a Condo

October 6, 2021 - Are you interested in buying a condo unit with an FHA home loan? It’s an option some borrowers don’t realize they have--some make assumptions about the FHA home loan program and the availability of loans for condo units. 

Applying for a New FHA Home Loan After Bankruptcy (Chapter 13)

October 5, 2021 - Some borrowers seek a home loan after foreclosure proceedings, others may need to purchase a new home following a deed-in-lieu of foreclosure, and others still may need to apply for an FHA mortgage following a bankruptcy such as a Chapter 13 or Chapter 7.

Is There a Bad Credit FHA Loan?

October 3, 2021 - Is there such a thing as a bad credit Federal Housing Administration loan that can help people become homeowners in spite of their past credit activity? There are important things you should know about FHA loan approval guidelines. You can work to improve your credit score over time.

FHA Loan Down Payment Rules

October 1, 2021 - If you are a first-time homebuyer you might not realize how strict the rules for down payment sources can be--FHA lender requirements aren't the only rules in play about how you deal with closing costs and the down payment requirement for your first mortgage.

Home Loans 101: Why Some People Pay Mortgages Twice a Month

September 30, 2021 - If your goal is to use your monthly payments to get ahead on the mortgage by making the equivalent of an extra payment every year you might wish to consider this option used by many to lower the principal balance of the loan faster.

SEE YOUR CREDIT SCORES   From All 3 Bureaus  

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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!