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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

Understanding Your FHA Home Loan Mortgage Payment

November 22, 2022 - Buying a home with an FHA mortgage requires you to make a down payment, pay closing costs, and ultimately accept the keys and move into your new home. And once that step is done, your first monthly mortgage payment is on the way. 

Help for First-Time Homebuyers

November 19, 2022 - FHA home loans are for many different kinds of borrowers including those who have never owned a home before, those who want to buy and renovate, those who want manufactured homes, or condos.

Adjustable Rate Mortgage Pros and Cons

November 17, 2022 - he reason many apply for an FHA Adjustable Rate Mortgage (FHA ARM) option is because they want to take full advantage of the intro rate or teaser rate, and plan to refinance later on when the mortgage rate environment is more borrower-friendly.

FHA Loan Approval Changes Could Help First-Time Borrowers

November 16, 2022 - The FHA and HUD announced changes to FHA loan approval procedures for first-time homebuyers. The changes essentially give a participating FHA lender the ability to consider qualifying positive rental payment history as a factor in loan approval.

Questions to Ask Your Lender Before Buying a Home

November 14, 2022 - If you are planning to build or buy a home with an FHA loan, there are some questions you want answered before you commit to a particular lender. Some of the answers may be common among participating lenders, and others may vary.

Mortgage Market Trends: Home Prices to Drop In 2023?

November 13, 2022 - Will house prices fall in 2023? Leading mortgage industry reports say it’s entirely likely based on indicators from Fannie Mae, better known as Federal National Mortgage Association. The new year will definitely bring new FHA loan limits, but it also may bring lower asking prices.

New FICO Score Rules Could Change the Game for Some Homebuyers

November 11, 2022 - The Federal Housing Finance Agency or FHFA has announced major changes coming for FICO 10T and VantageScore 4.0, both of which can be used by lenders to approve borrowers for future Fannie Mae and Freddie Mac loans

Government Mortgage Reform and Your FHA Loan

November 10, 2022 - Recent reports indicate the federal government is now looking at ways to reduce bias in the home buying process. One way this is happening is examining various stages of the home loan process to eliminate potential discrimination, and a key part of that process is the appraisal.

Buying a Home With an FHA Loan Using a Cosigner

November 8, 2022 - The house hunter who is worried they may not be able to qualify for a home loan on their own may feel the need to add a cosigner or co-borrower. Others may be interested in buying a home with a significant other or spouse and will have a co-borrower to share the loan with. 

FHA Home Loan Options When Interest Rates Are High

November 6, 2022 - FHA home loans are government-backed, which means less risk for the lender if the borrower defaults on the mortgage. That is one reason why these mortgages feature lower interest rates than many conventional mortgages--the lender takes less of a chance when approving your 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!