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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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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

Preparing for an FHA One-Time Close Loan

July 14, 2020 - The FHA One-Time Close construction loan, like its VA construction loan counterpart, is a loan backed by the government that allows the borrower to apply for a single mortgage loan to cover both the costs of construction of a home from the ground up and the purchase of the home.

HUD Fair Housing Initiative Grants Announced

July 13, 2020 - An announcement on the HUD official site reveals the U.S. Department of Housing and Urban Development awarded $40.8 million to support dozens of fair housing organizations working to help end housing discrimination.

How to Dispute Your Credit Report

July 11, 2020 - If you are in the planning stages of your home loan, you’ll definitely want to pull your credit report and review the contents. If you have never seen your credit report before, you are not ready to fill out a home loan application.

FHA Home Loan Closing Cost Options

July 9, 2020 - The low down payment requirements for FHA home loans make FHA purchase loans, FHA construction mortgages, and FHA rehabilitation mortgages very tempting for first-time home buyers. 

Why Credit Monitoring Is Important When Planning Your Home Loan

July 7, 2020 - Do you know what your credit report says about you at this moment? If not, you aren’t truly prepared for your home loan application. Those who have not pulled their credit reports should not fill out loan paperwork.

FHA Loan Limits: The Basics

July 6, 2020 - How much do you know about home loan limits and how they work? If you are shopping for a home to buy, an FHA mortgage can help with its lower down payment requirements and more forgiving FICO score requirements.

What to Ask When Mortgage Rates Fall

July 4, 2020 - In the earliest part of 2020, mortgage loan interest rates experienced a great deal of volatility. Unprecedented low mortgage rates have grabbed headlines and have sparked a flood of refinance loan applications and many renters are seriously considering becoming homeowners.

How COVID-19 Changed the Appraisal System for Home Loans

July 3, 2020 - Ever since Coronavirus lockdown measures were imposed across the nation, lenders and borrowers have had to adjust to a new environment where social distancing forces innovation in common practices such as the home loan appraisal process.

How Do FHA Loan Limits Work?

July 1, 2020 - The Federal Housing Administration sets FHA loan limits on an annual basis. FHA home loans have a maximum loan amount that is established in accordance with the National Housing Act. FHA and HUD adjust the limits at the end of the closing year and before the new year.

HUD Announces Fair Housing Act Charges Against Atlanta Housing Providers

June 30, 2020 - If you have experienced housing discrimination at any stage in the housing process including renting, home loans, refinance loans, home buying, etc. don’t hesitate to file a complaint of discrimination with the HUD Office of Fair Housing and Equal Opportunity.

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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!