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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 February 26, 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

One-Time Close Loan Advice: Hiring A Contractor

February 23, 2021 - If you want to build a home on your own lot using a One-Time Close construction mortgage, one thing you’ll be required to do is hire a contractor to do the work. One-Time Close (OTC) loans are different than other home loans that involve using a builder, performing rehabilitation or repair work, etc.

HUD Announces Major Fair Housing Policy Shift

February 22, 2021 - HUD issued a memorandum indicating that will interpret the Fair Housing Act to bar discrimination on the basis of sexual orientation and gender identity and directing HUD offices and recipients of HUD funds to enforce the Act accordingly.

HUD Announces Fair Housing Charges Against Missouri Duplex Owner

February 19, 2021 - Fair Housing Act laws forbid landlords, property managers, and anyone else involved in the housing industry from denying or limiting housing to people with disabilities. Housing industry professionals cannot refuse to make reasonable accommodations in policies or practices when necessary.

Credit Issues to Consider Before Your FHA Loan

February 18, 2021 - When applying for a mortgage or even a refinance loan, there is no one-size-fits-all solution. There is no universally typical borrower, and no circumstance that applies to every applicant. Each home loan application is different, with different circumstances and conditions.

Refinance to Get a Lower Rate with an FHA Streamline Refi

February 16, 2021 - Borrowers who went into loan forbearance over COVID-19-related financial issues have several options for mortgage loan relief. Others instead wanted to refinance their mortgages into a lower payment or interest rate in order to reduce the financial pressure on their monthly budgets.

Applying for an FHA Mortgage With a Bankruptcy

February 14, 2021 - Many who have filed bankruptcy in the past and feel ready to return to homeownership want to know how long they must wait before applying again. But what does it take to be approved for an FHA home loan after filing bankruptcy? The key is time.

FHA Announces Additional Help for Borrowers Affected by COVID-19

February 11, 2021 - The FHA and HUD have announced new waivers for rules found in HUD 4000.1 that would, when there is not a global pandemic to deal with, require in-person transactions or other contact. There has also been an extension to the deadline  to request home loan forbearance.

Buying a Home Sight Unseen

February 8, 2021 - In the era of COVID-19, some real estate blogs report an increase in transactions where the buyer and seller negotiate the sale of a home without the buyer ever having set foot on the property. Almost two thirds of those who bought real estate in 2020 did so this way.

FHA Mortgage Loans: Building Instead of Buying

February 5, 2021 - A One-Time Close construction loan is a way even a first-time home buyer can choose to build a new home instead of buying someone else’s existing property. These mortgages do require higher FICO scores and require more time before move-in day than a typical home purchase loan.

How to Avoid Mortgage Scams

February 3, 2021 - The FHA and HUD announced extended foreclosure relief for borrowers affected by the global coronavirus pandemic, and in any situation where home owners need mortgage relief the scammers begin coming out of the woodwork.

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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!