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The Federal Housing Administration increased the loan limits for 2022 in 97.06% or 3,188 counties across the country. FHA limits inform borrowers of the maximum allowable loan amount available to purchase a home for every county.

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 January 22, 2022

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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

Time to Get Started With an FHA Loan

January 5, 2022 - Are you thinking about your options for an FHA mortgage? Borrowers should spend plenty of time examining several aspects of their finances and credit before filling out paperwork or online forms to apply or get pre-approved for an FHA loan.

Mortgage Loan Basics for New Borrowers

January 5, 2022 - An FHA loan down payment, for example, must be paid independently of any other closing costs. You can’t pay $400 for an appraisal (this number is for example purposes only, your experience may vary) and expect to have that $400 subtracted from the amount of the down payment.

FHA Home Loan Terms You Should Know

January 4, 2022 - If you are new to the home loan process and want to apply for an FHA mortgage, you’ll encounter some technical terms that might be confusing at first. But the more familiar you get with the home loan process, the more these new terms will make sense.

Housing Counseling for First-Time Home Buyers

January 3, 2022 - In cases where down payment assistance is concerned,  counseling is usually required to make sure the applicant fully understands their responsibilities for the loan. That includes why escrow may be required, and covers payment of property taxes and other expenses related to the home loan.

What You Should Know About Down Payment Assistance Programs

January 2, 2022 - Want to buy a home with an FHA mortgage but are worried about coming up with your down payment? There are plenty of state and local down payment assistance programs but before you consider applying for one, there are some things you should know.

Is Your Home Eligible for FHA Disaster Relief

January 1, 2022 - There are many headlines about natural disasters, whether they are floods, hurricanes, forest fires, or other incidents. And with such disasters, there are often federal declarations that apply to a county or set of counties--declarations that make these areas major disaster zones.

Buying a Home in a Different State with an FHA Mortgage

December 31, 2021 - If you are thinking about buying a home in another state with an FHA mortgage, there are some issues to keep in mind. House hunting in an area you are familiar with is a lot easier than buying property in a place you don’t really know.

FHA Appraisals: What You Should Know

December 30, 2021 - One of the major issues with an FHA appraisal is the scenario where the appraisal comes back with a valuation lower than the asking price. In other words, the appraiser lists the value of the property as one dollar amount but the seller is asking for a higher amount.

Rent or Buy? FHA Loans and Home Ownership

December 29, 2021 - Why do people say renters are throwing their money away instead of building wealth in a home? When you rent, you are paying someone else for the privilege of living in their property and it is the property owner grows the equity in the home.

Closing Day on Your FHA Mortgage

December 28, 2021 - What do you need to be prepared for closing day on your FHA mortgage? There are some important issues to keep in mind when it comes to mortgage closing. The first is that when your closing date is set, consider scheduling your moving truck for any day besides closing day.

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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!