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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.

FHA Mortgage Loan Rates

May 22, 2019
FHA Rates for May 22, 2019
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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

First-Time Home Buyers and FHA Mortgage Loans

May 9, 2019 - Worried about the down payment for a home purchase? Some borrowers would rather hang on to their cash for home improvement projects, bills, student loans, or new furniture. FHA  loans are designed to help with down payment issues in addition to providing more flexible credit requirements.

What to Do Before Refinancing

May 8, 2019 - Remember, it’s better to take longer to prepare for your refinance if you need to in order to fix things like payment history (a recommended 12 months of on-time payments for all bills) or correct identity theft issues on a credit report.

FHA vs. USDA Home Loans

May 7, 2019 - What makes borrowers choose an FHA mortgage loan with a 3.5% down payment over a USDA mortgage loan with zero down payment? There are a couple of very simple reasons why you may choose an FHA mortgage even though down payments are a major part of the borrower’s concerns.

How Do FHA Loans Work?

May 5, 2019 - FHA home loans are not specifically intended for first-time home buyers, but many house hunters who have never purchased real estate before turn to the FHA home loan program because of the low down payment requirements and other borrower benefits.

Things That Can Affect Your Mortgage Interest Rate

May 4, 2019 - If you are thinking about buying a home and want to apply for a mortgage loan to purchase your first home, there are some variables that can affect the interest rate you are offered when you are ready to commit to purchasing the real estate.

Converting Your Home Equity Into Cash

May 3, 2019 - The FHA Cash-Out Refinance loan is a tool a homeowner can use to refinance the home and take cash back on the transaction. What does the FHA home loan rulebook, HUD 4000.1, have to say about these loans compared to other FHA refinance options?

I'm Not a First-Time Homebuyer. Is the FHA Program for Me?

May 2, 2019 - The FHA mortgage program (including reverse mortgages, refinance loans, One-Time Close construction mortgages, and FHA rehab loans) does not refuse a potential borrower simply because they have borrowed before, have had a mortgage in the past, or already own property.

Refinancing the FHA Adjustable Rate Mortgage Before Reset

May 1, 2019 - ARM introductory rates will expire at some point depending on the terms of your mortgage loan agreement. Borrowers who want to avoid an interest rate adjustment have the option to refinance the mortgage and escape the ARM loan reset.

FICO Scores Needed To Qualify for Your FHA Loan

April 28, 2019 - The FHA loan program itself establishes a FICO score minimum of 500 or higher. Those with FICO scores between 500 and 579 can technically qualify for an FHA home loan but they will be required by FHA loan program rules to make a 10% down payment.

What's the Home You're Buying Really Worth?

April 27, 2019 - It’s easy to wonder, in the process of buying your first home, whether the price you are being asked to pay is over-inflated or not. First-time home buyers sometimes (and sometimes rightfully so) fear being ripped off by exaggerated prices in their chosen housing market.

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!