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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 June 5, 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

HUD Announces More Funding to Fight Fair Housing Act Complaints

May 15, 2020 - The U.S. Attorney General and the HUD Secretary are reminding renters, borrowers, landlords, and real estate agents that sexual harassment at any stage of the housing process is illegal and a violation of federal Fair Housing Act.

New FHA Appraisal Basics

May 14, 2020 - The FHA appraisal is a requirement of the home loan process. A tool for lenders to establish the fair market value of a home and ensure it meets local requirements, the appraisal is NOT the same as a separate, borrower-funded home inspection.

Getting Ready for Your Home Loan in Three Steps

May 13, 2020 - There are three steps you can take in the planning stages of your home loan to get closer to being ready for the application. What are the biggest concerns for a potential mortgage applicant? And how do those concerns affect your planning choices?

Are People REALLY Buying Houses During a Pandemic?

May 12, 2020 - It may surprise some that the housing industry, which includes real estate sales and home loan transactions, has been adapting to what some are calling the new normal with online mortgage loans, virtual home tours, and contactless real estate transactions.

COVID-19 Update: Foreclosure Prevention Q&A

May 11, 2020 - Participating lenders are required to offer you COVID-19 mortgage payment relief options but your lender must determine that you are eligible. Call your lender or loan servicer to discuss the possibility of being approved for a coronavirus repayment option.

FHA Appraisal Rules You Need to Know

May 9, 2020 - FHA mortgages have specific requirements the property must meet (or be repaired or renovated to meet) FHA appraisal standards and local building code requirements. The rules for FHA appraisals is found in HUD 4000.1, the FHA Single-Family Loan Handbook.

Repair Your Credit Before Your Home Loan: The First Step

May 8, 2020 - If you are applying for an FHA mortgage or a refinance loan, there is a very important step you need to take in the planning stages of your loan. If you don’t take this preliminary step as early as possible, you may not be ready for your mortgage or refinance loan application.

Why Refinance Your Mortgage? Three Questions to Ask

May 7, 2020 - Why refinance your mortgage? There are as many motivations to refinance as there are to purchase the home in the first place; the right FHA refinance loan for you depends on what you need to do with the loan.

COVID-19 Update: Did FHA Raise FICO Score Requirements for Home Loans?

May 6, 2020 - You may read news stories about higher credit requirements making it tougher to qualify for a mortgage in the era of coronavirus. These stories may be accurate in their reporting of higher FICO score requirements at the time of this writing, but who is responsible for those requirements?

FHA Home Loan Down Payment Rules You Need to Know

May 4, 2020 - FHA home loans are governed by the guidelines in HUD 4000.1 about the source of your down payment funds. Did you know you are required to document those sources no matter where your down payment money is sourced from?

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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!