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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.

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November 17, 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

What Your Lender Can Tell Your Before You Commit

October 24, 2019 - Buying or refinancing a home with an FHA mortgage should mean shopping around for the right participating lender. It doesn’t always happen as some borrowers will select their current lender or possibly a new one that offers better terms

What Affects My Down Payment for an FHA Loan?

October 22, 2019 - What affects a borrower’s down payment for an FHA mortgage loan? There are some factors to consider when planning your home loan; saving up for a down payment is one of the most important early planning goals you’ll make. But how much is a down payment?

FHA Home Loans and Your Income

October 21, 2019 - To qualify for a mortgage loan you must have stable and reliable employment, and income that can be verified by the lender.  But, not all types of income qualify for the lender’s use when calculating your ability to afford the loan.

How Long Until You Can Sell Your Home with an FHA Loan?

October 20, 2019 - How long do you have to wait to sell the home purchased with an FHA mortgage? Some borrowers want to know because they are interested in buying homes to flip ala Flip This House, Property Brothers, or other house flipping reality TV shows.

How to Use Your FHA Home Loan

October 19, 2019 - Some borrowers might think advice on how to use an FHA home loan is a bit redundant; after all, an FHA mortgage is intended to buy, build, or refinance a home. What else could you possibly do with it?

How Bad Is it to Miss a Mortgage Payment?

October 18, 2019 - Your credit scores are an important part of home loan approval. But if you apply for an FHA mortgage or any other type of major line of credit, your credit history will also play a big role in getting your loan approved.

What You Need to Know About Lead Paint and FHA Loans

October 17, 2019 - In September of 2019, the FHA and HUD announced an initiative to provide more than $300 million to 77 state and local government agencies. This funding is intended to protect children and families from lead-based paint and home health hazards according to a HUD press release.

FHA Home Loan Down Payment Tips

October 16, 2019 - Planning and saving for your down payment is one of the most important steps of your mortgage loan process. Here are some tips that can help you get closer to your financial goals where the down payment is concerned.

Cash-Out Refinance Loans and Credit Card Debt

October 15, 2019 - FHA refinance loans can be used to do a variety of things, and FHA cash-out refinancing is the kind of refi loan with multiple options. But what can be done with an FHA cash-out refinance loan and what should be done may be two different things.

Home Inspections Are Crucial

October 14, 2019 - A non-profit home ownership website called Framework is offering some sound advice to house hunters about what they might expect out of a home once it’s purchased--at least where house related problems are concerned.

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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!