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In 2019, HUD made home ownership more affordable for millions of Americans with increased loan limits in 3,053 counties due to higher housing prices. FHA limits inform borrowers how much is available for an FHA home loan.

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February 23, 2019
FHA Rates for February 23, 2019
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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

First-Time Home Buyers Who Choose FHA Mortgages

February 18, 2019 - Why would a first-time home buyer choose an FHA home loan to buy their first home with? Borrowers looking for a home with affordable monthly mortgage payments and no income limit should definitely explore their FHA mortgage loan options.

Why Buy a Multi-Unit Home With an FHA Mortgage?

February 16, 2019 - Affordable home ownership is possible even if you carry debt such as student loans or medical bills. Did you know FHA mortgages allow the purchase of properties with more than one living unit? Yes, you can buy a multi-unit property with an FHA home loan even as a first-time home buyer.

How Long Is the Wait Before FHA Cash-Out Refinaning?

February 15, 2019 - First time home buyers will likely hear a lot about refinance loan options for their first mortgage, and even if you aren’t considering a refinance loan option it is good to know what those options are should you need them later down the line.

FHA Construction Loans in 2019: A Borrower's Market?

February 12, 2019 - Are you thinking about an FHA One-Time Close construction loan to help build a home especially for you rather than buying an existing property?  House hunters with a dream home in mind may find 2019 to be a good year to explore home loan options.

FHA Loans After the Government Shutdown: Did Your Credit Take a Hit?

February 9, 2019 - Roughly 800 thousand Americans were directly affected in a financial way because of the government shutdown that began in 2018 and ended in late January 2019. Furloughs, delayed paychecks, no paychecks at all, and resulting financial difficulties were a hot topic of discussion.

First Homes With FHA Loans: Buy Bigger or Smaller?

February 7, 2019 - If you are a first-time home buyer looking to purchase a first home with an FHA home loan, there is one dilemma that some borrowers face. Buy a larger first home that you can grow into, or a smaller first home that you will sell at some point in order to move into a bigger property later.

First Time Home Buyer Advice for FHA Mortgages

February 5, 2019 - First time home buyers, including millennials, may find buying instead of renting to be a cost-effective option in the new year. So what should first-time home buyers know about buying a home with an FHA mortgage loan?

Should First Time Home Buyers Consider Adjustable Rate Mortgages?

February 3, 2019 - Should a borrower applying for a first-time home loan consider an FHA adjustable rate mortgage loan? Is it possible to save money with a new home loan that doesn’t have a fixed interest rate? FHA home loans are great choices for first-time home buyers, but the options may seem confusing at first.

First Time Home Buyers Can Get Prequalified

February 2, 2019 - Why should a first-time home buyer get pre-qualified for an FHA mortgage? There are a variety of reasons to consider, but one of the most important is being able to see how much home you can afford and how much loan a lender is willing to offer you based on your credit score and history.

Can I Get a No-Wait FHA Loan After a Short Sale?

February 1, 2019 - A short sale may be used by home owners as a method to avoid foreclosure. Regardless of the motivation for the short sale, under certain circumstances there is a mandatory three-year FHA-required waiting period.

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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!