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For 2020, HUD made home ownership more attainable for millions of Americans by increasing the loan limits in almost 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, 2020.

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 August 10, 2020

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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

HUD Announces Employment Verification Guidelines for COVID-19

August 6, 2020 - The FHA and HUD have announced an extension to certain coronavirus measures initiated to allow lenders to approve FHA home loans among other guidelines altered by a multi subject mortgagee letter issued by HUD in the last week of July 2020.

Frequently Asked Questions About FHA Loan Limits

August 4, 2020 - There are some common questions about FHA home loan limits for the Single Family Mortgage program. Do you know what the home loan limit is in your area or how it affects your mortgage transaction?

Chenoa Fund Provides Down Payment Assistance Nationwide

July 30, 2020 - Renters can face big hurdles when they decide to become homeowners. One of the biggest is saving up for a down payment. With constantly changing economic environments and employment uncertainty, people are facing difficult decisions about how to use or presersve their savings.  

House Hunting During a Pandemic

July 27, 2020 - Are you ready to buy a home using an FHA home loan? At the time of this writing, coronavirus is still a major problem in the United States and there are revised procedures for appraisals and other measures to avoid spreading the disease while continuing to do business in the housing market.

Does Checking Your Own Credit Hurt Your FICO Score?

July 24, 2020 - The importance of credit monitoring can’t be understated; the more you know about your credit report, how it changes and when can make a great deal of difference when you are ready to commit to a home loan.

Monitoring Your Credit Before Your Home Loan

July 21, 2020 - Consumers are warned repeatedly to monitor their credit for signs of identity theft, erroneous information, etc. Some future home owners already do this, but the concept is new to others. Why is credit monitoring a crucial part of your preparation before applying for an FHA mortgage?

FHA Announces More Mortgage Relief for Borrowers Affected by COVID-19

July 20, 2020 - The FHA and HUD have announced extended relief for FHA borrowers experiencing financial hardship due to income loss related to the coronavirus pandemic. The new relief measures are specifically designed to help those who applied for FHA loan forbearance.

HUD Extends Modified Appraisal Guidelines Due to COVID-19

July 19, 2020 - Now, with COVID-19 gaining momentum once again, HUD has extended the modified appraisal guidelines, as well as employment verification rules--they will now be in effect until the end of August 2020.

Common Questions About FHA Loan Limits

July 18, 2020 - FHA home loan limits are easy to understand once you know a few basics about how these limits work. These limits are offered to all borrowers and aren’t affected by your credit report or other factors. FHA home loan limits are set nationwide every year.

FHA and HUD Announce Further Enhanced and Extended Foreclosure Relief

July 17, 2020 - The COVID-19 updates from the FHA and HUD keep coming--it would be easy to mistake this update for older announcements about foreclosure relief, but the environment created by coronavirus and its containment measures requires government agencies to be flexible.

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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!