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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 March 8, 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

Applying for an FHA Mortgage With a Bankruptcy

February 14, 2021 - Many who have filed bankruptcy in the past and feel ready to return to homeownership want to know how long they must wait before applying again. But what does it take to be approved for an FHA home loan after filing bankruptcy? The key is time.

FHA Announces Additional Help for Borrowers Affected by COVID-19

February 11, 2021 - The FHA and HUD have announced new waivers for rules found in HUD 4000.1 that would, when there is not a global pandemic to deal with, require in-person transactions or other contact. There has also been an extension to the deadline  to request home loan forbearance.

Buying a Home Sight Unseen

February 8, 2021 - In the era of COVID-19, some real estate blogs report an increase in transactions where the buyer and seller negotiate the sale of a home without the buyer ever having set foot on the property. Almost two thirds of those who bought real estate in 2020 did so this way.

FHA Mortgage Loans: Building Instead of Buying

February 5, 2021 - A One-Time Close construction loan is a way even a first-time home buyer can choose to build a new home instead of buying someone else’s existing property. These mortgages do require higher FICO scores and require more time before move-in day than a typical home purchase loan.

How to Avoid Mortgage Scams

February 3, 2021 - The FHA and HUD announced extended foreclosure relief for borrowers affected by the global coronavirus pandemic, and in any situation where home owners need mortgage relief the scammers begin coming out of the woodwork.

FHA Loan Rates Still Below 3% in the Early Days of the New Year

February 1, 2021 - The fact that rates are still below three percent is great news for anyone who wants to build a home on their own lot, refinance an existing mortgage, purchase a condo unit with an FHA loan or buy a typical suburban home.

HUD Makes Major Policy Change on FHA Loans for DACA Dreamers

January 31, 2021 - People who are protected under DACA laws have the ability to apply for an FHA home loan. The property must be the borrower’s principal residence and they must be eligible to work in the U.S. This is a major change from previous FHA policy.

Refinance Your Mortgage in 2021

January 29, 2021 - 2021 is THE year for some to refinance. FHA mortgage loan interest rates are reported at a best-execution (which means that ideal borrower qualifications are assumed) 2.30% and while those numbers are bound to change, it’s an indicator of where rates have been so far this year.

What You Need to Know About the Limited 203(k) Rehabilitation Loan

January 28, 2021 - Some borrowers want to buy or refinance a fixer-upper home and that is where the FHA 203(k) Rehabilitation loan and the FHA 203(k) Rehabilitation Refinance loan can help. You can use it to refinance your current home and get money to accomplish FHA and lender-approved upgrades.

Mortgage Loan Interest Rates in Early 2021

January 27, 2021 - Finance blogs and mortgage writers have noted that in recent months mortgage rates have not moved directly in tandem with the ups and downs of Treasuries, but that a correction of sorts would be forthcoming at some point.

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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!