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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 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 28, 2022

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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

How to Pay Your Closing Costs

January 25, 2022 - There are a number of ways you can pay for the closing costs of your FHA home loan. Closing costs can include any discount points you are paying to lower your interest rate, appraisal fees, property taxes, and other expenses.

Allowable Sources for FHA Home Loan Down Payments

January 22, 2022 - Here’s a list of general down payment questions related to FHA home loans. In each case, the answer is informed by the FHA Lender’s Handbook, HUD 4000.1 but all borrowers should know that additional lender requirements may also apply.

Home Loan Approval, Credit Issues, and Credit Repair

January 18, 2022 - Despite their promises, nobody can remove accurate data from your credit report that is not outdated. That’s the lure some third-party credit repair companies use to get your money. Did you know there are many things you can do to improve your FICO scores yourself?

Fair Housing Laws: Know Your Rights

January 17, 2022 - Most people generally seem to understand that you cannot be discriminated against for your race, religion, gender, or national origin when you look for an FHA mortgage. This is true at all stages of the housing process whether you seek an FHA loan, conventional mortgage, or even rental housing.

FHA Home Loan Myths in 2022

January 16, 2022 - Our headline is a bit disingenuous because the myths we’re discussing prevail in every calendar year one way or another. Most times, when people make assumptions about FHA loans, it often has to do with being or not being a first-time homebuyer.

FHA Loan Options: Condos and Mobile Homes

January 15, 2022 - The FHA home loan program offers options for borrowers who want to buy a typical suburban home, but there are also loan options for mobile homes and condo units. These loans are known as Title I loans and can be used to buy or refinance these homes.

Common Homebuyer Mistakes You Can Avoid

January 14, 2022 - Did you know that you can get help with the FHA required minimum down payment, for example, but that the money must be documented from start to finish before the lender can allow you to use it?  You can ask your participating lender for instructions on what should be submitted.

When is My FHA Home Loan Approved?

January 13, 2022 - If you are new to the home loan process or have never applied for an FHA mortgage before, loan approval may seem a bit mysterious at first. There are three basic stages to the home buying process you should be mindful of: prequalification, pre-approval. and closing.

Watch Out for Refinance and Home Equity Loan Scams

January 12, 2022 - How many unsolicited e-mails, junk mail and robocalls have you received in the last year related to refinancing or home equity loans? It’s these unsolicited contacts that should arouse suspicion, but many still fall for mortgage and refinance-related schemes every year.

Buying a Home with an FHA Loan: Do You Need a Realtor?

January 11, 2022 - Do you need a real estate agent when purchasing and financing a home with an FHA loan? That question is tough to answer because so much depends on your specific circumstances. There are  times when you might want the help of a real estate agent, and times when you might not.

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!