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 November 30, 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

Are You Thinking About an FHA Mortgage in 2022?

November 24, 2021 - Are you committed to a new home loan in 2022? An FHA mortgage loan can help you get into a home with a low down payment and more flexible credit requirements but you should know about the many options open to you with an FHA Single-Family Home Loan.

Trouble With Your FHA Mortgage Due to COVID-19?

November 23, 2021 - Are you experiencing trouble with your monthly FHA mortgage loan payments due to the global COVID-19 pandemic? FHA and HUD have issued a number of updates and extensions to FHA loan policy regarding foreclosure relief. Some may struggle to keep up with all the options.

Who Can Apply for an FHA Mortgage?

November 21, 2021 - Can anyone apply for an FHA home loan? It’s true there are few limitations in terms of who may apply without being rejected out of hand. One scenario that disqualifies applicants for purchase or refinance loan approval are those where hopeful borrowers have FICO scores below 500.

HUD Announces Funding Aimed at Fair Housing Efforts

November 20, 2021 - Violations of the Fair Housing Act are troublesome in the best of times, but when they happen during the COVID-19 pandemic, these issues take on a new urgency.  HUD has announced a new round of financial support for efforts intended to fight housing discrimination.

First-Time Home Buyer Advice

November 18, 2021 - FHA home loans aren’t restricted to first-time homebuyers, but the FHA mortgage program is a good option for those who have never owned a home before--there is a low down payment requirement and more flexible FICO score guidelines for FHA mortgages.

FHA Loans for Second-Time Home Buyers

November 17, 2021 - Is the idea that FHA home loans are only for first-time buyers a myth? YES. The FHA loan program is for anyone who can financially qualify and you cannot earn too much money to be approved for an FHA single-family home loan. But FHA loans are not intended for investment properties.

How to Prepare Your Credit for an FHA Home Loan

November 16, 2021 - How much time do you need to start working on your credit to become ready to apply for an FHA mortgage? Focusing on your credit habits, credit card account balances, and more in the year or more leading up to your home loan is an important part of the process.

FHA Home Loan Limits in 2022

November 14, 2021 - At the start of last year we reported the news that FHA limits would be higher in 2021, and while there is no guarantee that 2022 will bring another increase in those limits, getting ready for the new year with the right numbers in mind is important.

What You Can and Cannot Do With an FHA Mortgage

November 13, 2021 - Do you know the options you have with an FHA loan? If you are considering your house hunting choices, you should know that FHA mortgages don’t require you to be a first-time home buyer and you can purchase a wide range of property types using an FHA mortgage.

Facts About Your Credit Scores

November 11, 2021 - If you are preparing for a large investment like a home loan, you’ll want to start looking at your credit reports early and pay attention to them over the long term. That is why it’s recommended to start working on your credit a full year or more in advance. You will definitely want the time.

SEE YOUR CREDIT SCORES   From All 3 Bureaus  

Do you know what's on your credit report?

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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!