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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 December 2, 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

FHA Home Loans: Getting Cash Back

November 30, 2021 - When it’s time to consider your home loan options, do you wonder about how to get cash back on an FHA mortgage? The FHA cash-out refinance loan option is a way you can refinance an existing mortgage and take equity in the home out in cash at the same time. 

HUD and FHA Announce Updated Appraisal Requirements

November 29, 2021 - In 2021, the President announced a move to make home loan appraisals comply with Fair Housing Act guidelines that prohibit discrimination. Multiple federal agencies are coordinating in the push to make Fair Housing Act laws apply in areas such as the appraisal process.

Best Practices to Avoid Mortgage Scams

November 27, 2021 - In the 21st century, there are both sophisticated versions and amateur attempts at mortgage scams. It is very important to know how some of these scams specifically work, but it’s just as crucial to know how to protect yourself from those who want to part you from your cash.

FHA Refinance Loans vs. Freddie Mac Refi Possible Loans

November 26, 2021 - Are you thinking of your refinance loan options? Do you need a bit more flexibility in credit score requirements when you apply? There are many refinance loan options and two of those options come from conventional loans that meet Freddie Mac requirements.

FHA Announces Updated Mobile Home Loan Policies

November 25, 2021 - The Federal Housing Administration has published major new guidelines to improve the sale of manufactured homes, mobile homes, and modular housing. It’s the first major overhaul of FHA loan rules for these properties in roughly forty years according to the HUD official site.

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.

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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!