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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 April 11, 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

FHA Home Loans and Debt

April 9, 2021 - The debt-to-income ratio is an important calculation for all borrowers--the more income you have compared to outgoing payments every month the better. So how do borrowers with a lot of debt deal with this problem? Learn about what the FHA considers to be a debt.

FHA Loan Down Payment Rules You Should Know

April 8, 2021 - There are some general FHA loan rules you should know in the planning stages of your new loan--rules that can help you decide what to do about saving up for a down payment or how to deal with closing costs. Knowing these rules can help you get much closer to home loan approval.

Should I Use Cash-Out Refinancing to Pay Off My Credit Cards?

April 7, 2021 - The FHA Cash-Out refinance loan is a way home owners can tap into the equity built up in their homes and take it out in cash once the original loan and the closing costs of the new loan have been dealt with. There are many uses for the money you get in a cash-out refinance transaction.

FHA One-Time Close Construction Loan Rules and Lender Requirements

April 6, 2021 - When you examine your FHA construction loan options, choosing between a One-Time Close construction loan and other construction loan options with two loans and two closing dates are only part of your decision-making process.

The FHA Refinance Loan Maximum Mortgage Calculation

April 5, 2021 - There are many myths people have about FHA home loans. One is the nature of the required FHA mortgage down payment or maximum financing available.  The borrower is required to make a minimum down payment on all new purchase FHA mortgage loans (3.5%).

VA Construction Loans vs. FHA One-Time Close Loans

April 4, 2021 - VA loans are for veterans and currently serving military members with qualifying minimum time on duty. Certain surviving spouses of military members who have died as a result of military service may also qualify. VA construction loans have no minimum FICO score requirements listed in the VA guidelines.

FHA Loan Approval and Your Debt Ratio

April 1, 2021 - Some home loan applicants apply for an FHA mortgage thinking that their credit scores are the main factor in home loan approval. Others might know that both FICO scores and your record of on-time payments are crucial for loan approval.

FHA Home Loan Down Payments

March 31, 2021 - But the FHA mortgage loan program offers new purchase home loans for owner/occupiers with down payments as low as 3.5%. FHA loan applicants who don’t meet FHA and lender credit score minimum requirements may need to consider a 10% down payment.

Dos and Don'ts of the FHA Home Loan

March 30, 2021 - FHA home loans are for any financially qualified borrower. They are not limited to those in financial need and they are not restricted to first-time home buyers.  However, there are some things you should DEFINITELY do ahead of your home loan and things you should NOT do.

What Kinds of Houses Qualify for an FHA Loan?

March 29, 2021 - What kinds of houses qualify for an FHA home loan? The answer may surprise you since many people assume the types of homes they can buy are fully finished, typical suburban home. But you can purchase other types of properties, too. Do you know your options with an FHA 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!