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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 May 7, 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

FHA Loans and the 3.5% Down Payment

April 16, 2021 - FHA loan rules require a minimum credit score of 580 or better for 3.5% down payments. Like most down payments, the source of your down payment funds including gift funds requires proper sourcing.  Make sure you provide a letter with any down payment gift that explains the amount.

One-Time Close Construction Loans in Texas

April 15, 2021 - FHA / VA / USDA One-Time Close construction loans are an important option to consider for those looking to build  a new home in Texas. Texas home values have gone up 9.3% over the past year and Zillow predicts they will continue to rise within the next year.

Refinance Choices Available With FHA Loan Programs

April 14, 2021 - Which refi is the best for your needs? That’s the first question to ask about refinancing. You can select Cash-Out refinancing, FHA Streamline refi loans are for people who need a lower mortgage rate or lower payment, or FHA 203(k) Rehabilitation refinance loans .

FHA Construction Loans Compared With FHA 203(k) Rehab Loans

April 13, 2021 - How are One-Time Close construction loans and FHA 203(k) Rehab loans similar? They both require the use of approved builders to do the work, and they both require a minimum down payment. But, the FHA One-Time Close mortgage does not come as a refinance loan option.

FHA Construction Loans Compared With FHA New Purchase Loans

April 11, 2021 - FHA One-Time Close loans (as well as VA One-Time Close or the USDA equivalent) have some differences from existing construction mortgages. Some of these differences involve lender requirements while others are FHA loan program guidelines.

April is Fair Housing Month

April 10, 2021 - How widespread is housing discrimination in America? In 2020 HUD took nearly eight thousand complaints of housing discrimination based on non-financial factors such as race, color, national origin, religion, sex, family status, and disability.

FHA Home Loans and Debt

April 9, 2021 - The debt-to-income ratio is an important calculation for all borrowers--the more income you have compared to outgoing payments every month the better. So how do borrowers with a lot of debt deal with this problem? Learn about what the FHA considers to be a debt.

FHA Loan Down Payment Rules You Should Know

April 8, 2021 - There are some general FHA loan rules you should know in the planning stages of your new loan--rules that can help you decide what to do about saving up for a down payment or how to deal with closing costs. Knowing these rules can help you get much closer to home loan approval.

Should I Use Cash-Out Refinancing to Pay Off My Credit Cards?

April 7, 2021 - The FHA Cash-Out refinance loan is a way home owners can tap into the equity built up in their homes and take it out in cash once the original loan and the closing costs of the new loan have been dealt with. There are many uses for the money you get in a cash-out refinance transaction.

FHA One-Time Close Construction Loan Rules and Lender Requirements

April 6, 2021 - When you examine your FHA construction loan options, choosing between a One-Time Close construction loan and other construction loan options with two loans and two closing dates are only part of your decision-making process.

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!