FHA Loan Requirements
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.
- The Facts About FHA Credit Requirements and FICO® Scores
- Do FHA Loan Requirements Apply to All Borrowers?
- Your FHA Loan Credit Qualifications

FHA Limits for 2022
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.

Down Payment Grants for FHA Loans
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.

SEE YOUR CREDIT SCORES From All 3 Bureaus
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FHA Loan Articles and Mortgage News
May 10, 2022 - Buying a home involves many small details and first-time homebuyers often have to resort to checklists or other means to keep everything organized. What do you need to know at the start of your first home buying journey?
May 8, 2022 - Some people aren’t sure which home loan product is right for them. In some cases it’s a question of supply and demand; if you seek an FHA manufactured home loan in New York City you are likely to be disappointed. But what about less obvious issues?
May 7, 2022 - Would you buy or rent the very first property you viewed in the house-hunting process? Few people would take the first property available without comparing it to others. Why would you treat the mortgage portion of your home ownership journey any differently?
May 6, 2022 - Housing discrimination persists in America despite federal laws requiring it to end; the Department of Housing and Urban Development encourages all who may have experienced some form of discrimination in the housing process to come forward.
May 5, 2022 - What do you need to consider in the planning stages of your FHA home loan? Some may not be sure how long it takes to save up for a down payment and closing costs, or what it takes to prepare credit ahead of a home loan.
May 3, 2022 - The Fair Housing Act makes it illegal to discriminate. No one should be denied a loan, services, or help due to non-financial reasons such as national origin, race, religion, marital status, sexual orientation, gender identity, or any factor listed in the Fair Housing Act.
May 1, 2022 - If you are purchasing your first home, it’s entirely possible that you already know you won’t be keeping the home for the full loan term. And with that in mind, consider the future when selecting the size and type of property.
April 29, 2022 - The new FHA 40-year modification with a partial claim option has been introduced as part of the FHA COVID-19 recovery program, but it’s an option that may be used by lenders as a last resort to be considered if other recovery options have been attempted.
April 28, 2022 - Name changes may be motivated by several things. One is marriage. For others, a name change may be needed due to divorce. For some, it may be a question of someone who has completely changed names in association with identifying as non-binary or transgender.
April 26, 2022 - Did you know that under the FHA loan program you cannot be penalized for prepayment and/or early payoff of the loan? Paying more than you owe each month or making multiple payments shouldn’t cost you more. Neither should the act of paying your loan off ahead of schedule.

SEE YOUR CREDIT SCORES From All 3 Bureaus
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Learn what your score means.

Homebuyer Terminology
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!
