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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 October 23, 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

HUD Issues Housing Discrimination Charges After Missouri Housing Complaint

September 28, 2021 - What are your options if you encounter difficulty in the housing process due to illegal discrimination against you for your national origin, your family status, disability, sexual orientation, the number of children you have, or any other illegal and non-financial reason?

FHA Loans to Repair or Remodel

September 27, 2021 - Do you need an FHA loan to start or complete home repair projects? You might need a relatively minor type of work done, like the installation of new gutters, or you may want to modify a home to make it more accessible. And some may want to do work that involves a major alteration.

When It's Time to Pay Mortgage Closing Costs, Beware of Scams

September 26, 2021 - When it is time to pay your mortgage closing costs, first-time homebuyers should be aware that there are scammers who prey upon people who must use wire transfers or other methods to pay these expenses. Scammers frequently target people in the mortgage industry.

Housing Counseling Resources From HUD: Know Before You Borrow!

September 25, 2021 - First-time home buyers often need counselors--housing counselors who can offer good advice on how to prepare for a home loan. But the need for housing counseling agencies isn't limited to those looking for a first mortgage.

Understanding Your Mortgage Payment

September 24, 2021 - Preparing for a home loan means looking at many things starting with your credit score and the cost of your mortgage over the life of the loan but it also means learning what to expect once your mortgage payments start.

Disaster Relief from the FHA and HUD

September 23, 2021 - In September 2021, the Department of Housing and Urban Development issued multiple announcements about FHA loans and disaster relief for portions of the country that have experienced fires, floods, and hurricanes and have since been declared federal disaster areas. 

Before You Apply for Mortgage Pre-Approval

September 21, 2021 - Getting mortgage pre-approval is a big step for the borrower and while you may not be ready to talk interest rate negotiations or start getting estimates on what a down payment might look like, pre approval is a step away from planning and toward action. 

Fair Housing Act Laws and Housing Discrimination: Know Your Rights!

September 18, 2021 - Many violations of Fair Housing Act laws occur because the discrimination was brought on the basis of familial status, national origin, or religion in rental or purchase transactions. Landlords, home sellers, and mortgage lenders are all bound by Fair Housing Act requirements. 

FHA and HUD Assistance for Borrowers in Disaster Areas

September 15, 2021 - If you have purchased a home with an FHA mortgage and need help with your mortgage in the wake of a natural disaster, there are several important steps you should take to get relief. Contact your mortgage servicer to ask for assistance with your mortgage while you recover.

Uses for FHA Cash-Out Refinancing

September 13, 2021 - FHA Cash-Out loans can be used for refinancing non-FHA mortgages as well as existing FHA loans. The proceeds from this cash-out refinance can be used for any purpose including paying off credit card debt, making home improvements, and even paying for luxury items like cars or boats. 

SEE YOUR CREDIT SCORES   From All 3 Bureaus  

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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!