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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 March 28, 2020

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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

Why Purchase A Home Now? Rising Home Values

March 1, 2020 - Are you on the fence about buying a home? There are many reasons why it’s a great idea to search for a home in 2020, such as owning instead of renting, the ability to freely customize your living space, or using a cash-out refinance to convert part of your home’s value into cash.

One-Time Close Construction Loan Advice

February 29, 2020 - A One-Time Close construction loan is designed to let you build a house on your own lot instead of buying an existing property. Do you want to design and build your own home using licensed contractors and plans created by a professional? 

Are Refinance Rates at 3-Year Lows?

February 27, 2020 - Mortgage loan interest rates tend to move in the opposite direction of economic news; what’s good for the economy can hurt mortgage interest rates, what’s bad for the economy can improve them based on investor behavior.

Why Mortgage Loan Rates Changed Because of the Coronavirus

February 25, 2020 - World news does not directly affect mortgage loan interest rates, but investor reaction to that news can. Investors have responded negatively to coronavirus news, putting money in safe-haven investments instead of riskier moves.

Home Buying Grants Near You

February 22, 2020 - There are agencies across the country operating on a local level to offer down payment help to qualified borrowers, many of whom are first-time home buyers. And many of these grant programs have no repayment requirements when terms and conditions are met.

HUD Announces Updates to Manufactured Housing Rules

February 20, 2020 - Did you know that mobile homes and other types of manufactured housing makes up roughly 10 percent of all single-family homes? Some sources estimate 22 million or more Americans live in a manufactured home.

One-Time Close Loan Tips

February 18, 2020 - Some new to the real estate market might assume they are not qualified to be approved for a construction loan, but these loans have the same kinds of terms and conditions that other mortgages do and you don’t need to have special credit scores to qualify.

Refinance Loans: Is 2020 Your Year?

February 17, 2020 - Refinancing your home loan makes sense when rates are falling and property values are rising. In 2020 we’ve already hit three-year interest rate lows due to a variety of factors including hangovers from trade war woes with China, the coronavirus, and other variables.

Do You Know the Right Home Loan for You?

February 14, 2020 - Knowing the right home loan for you sounds easy, doesn’t it? In the minds of some, it’s a question of whether you want a condo, a house in the burbs, a multi-unit home, or even a mixed-use property.

HUD Issues Updated Guidance on Service Animals

February 12, 2020 - The Department of Housing and Urban Development (HUD) has issued a press release announcing updated guidance regarding the use of service animals and emotional support animals in the context of the Fair Housing Act.

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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!