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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 June 24, 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

FICO Scores and Home Loans: What You Need to Know

June 22, 2021 - If you don’t know the contents of your credit report, you aren’t ready to apply for a mortgage loan, an auto loan, or even a personal line of credit. Your lender will review not only your FICO score, but your credit activity for at least the last 12 months leading up to your loan application.

Five Down Payment Assistance Tips

June 19, 2021 - If you are considering an FHA mortgage but need down payment help, there are programs offered by state and local agencies that may be able to help. Not all of them meet FHA loan guidelines--you’ll need to make sure that the program you choose meets the sourcing requirements for the money.

FHA Mortgages vs. Fannie Mae Home Ready Mortgages

June 18, 2021 - When exploring home loan options, some borrowers want a loan that has the lowest upfront costs possible. This makes sense if money is tight, or when a borrower has goals for their money and a down payment would hurt those plans.

HUD Revises Home Loan Rules to Recognize DACA

June 15, 2021 - The Department of Housing and Urban Development has announced changes to its policies that govern consideration for those who seek FHA home loans while in the United States under the Deferred Action for Childhood Arrivals (DACA) program.

First-Time Home Buyer Mortgage Options

June 14, 2021 - Did you know that as a first-time home buyer you have the option to purchase a condo unit with an FHA mortgage? There are also options for first-time borrowers to apply for FHA rehab loans for renovations and even an FHA home loan that allows you to build instead of buying.

HUD Announces Fair Housing Settlement In California

June 11, 2021 - Renting is an important step toward home ownership--some borrowers must rent while looking for a forever home, others choose to rent until they feel the time is right to commit to a mortgage. In either case, housing discrimination hurts these future homeowners, too.

FHA Refinance Loans Compared: Cash-Out Vs. Interest Rate Reduction

June 10, 2021 - There are several FHA loan options available when it is time to refinance a home loan. Two of those are FHA cash-out refinancing and FHA Interest Rate Reduction Refinance loans. How do these two refinance options compare and which should you choose?

Home Loans And FICO Scores

June 9, 2021 - What do you need to know about home loans and FICO scores? To get started, it’s important to know what FICO score ranges are considered good, and how these ranges are viewed by lenders. Your credit scores matter, but how should they be interpreted?

Can I Get an FHA Loan for a Mobile Home?

June 7, 2021 - The FHA has a program that lets FHA loan applicants get financing (or refinancing) for the purchase of mobile homes, a developed lot for the mobile home, or the combination of the home and the lot.

Building Credit Ahead of a Home Loan Application

June 2, 2021 - Many first-time home buyers feel at a loss when it comes to working on their credit. Don’t apply for your first credit card and your first home loan in the same year. A lender will be looking at your credit habits for at least the 12 months leading up to your credit application.

SEE YOUR CREDIT SCORES   From All 3 Bureaus  

Do you know what's on your credit report?

Learn what your score means.


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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!