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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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July 22, 2019
FHA Rates for July 22, 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

FHA Forward Mortgage Loan Options

July 5, 2019 - An FHA forward mortgage allows the borrower to apply for funds to purchase the home, with options to finance the Up-Front Mortgage Insurance Premium and certain approved, appraiser-required corrections where applicable.

Who Offers Down Payment Assistance for FHA Loans?

July 4, 2019 - FHA loan rules permit down payment help that meets FHA and lender requirements. You can get down payment gift fund help from a state agency or other government program, parents, and employers.

When Should I Apply for an FHA Mortgage?

July 3, 2019 - Borrowers should be prepared to come to the home loan process with no fewer than 12 consecutive months of on-time payments on all financial obligations. Lenders want to see patterns of responsible credit use and reliable payments.

Fixing Credit Report Problems Ahead of Your FHA Home Loan

July 2, 2019 - If you are planning to apply for an FHA home loan or any other type of mortgage, you will need to review your credit report long before you start filling out loan paperwork. One of the most important reasons to start early is to check for errors or evidence of identity theft.

FHA Refinance Loans and Interest Rates

July 1, 2019 - With rates so low, what do you need to know about refinancing to get a better mortgage rate? If you are shopping around for a loan and have not yet applied for a refinance, the rates you see today may change tomorrow.

FHA Home Loan Appraisal Questions and Their Answers

June 29, 2019 - The appraisal is a process that the lender initiates. The lender pays an FHA fee appraiser to review the home to determine the fair market value taking into consideration the condition of the home itself and how it matches up other, similar properties in the housing market.

Qualifying Income for an FHA Mortgage Loan

June 28, 2019 - Not all of your income may be eligible to be counted toward your debt-to-income ratio. The lender is required to insure that any income that is used will be likely to continue, and is also stable. Stability and reliability of income means some kinds of earnings won’t count.

Planning for a New FHA Loan

June 27, 2019 - First-time home buyers need time to prepare their credit, save up for down payment and closing cost expenses, and to find the right lender who can work with their circumstances. Do you know what you should do in the planning stages of your FHA home loan?

Is Now the Right Time for an FHA Mortgage?

June 26, 2019 - Published reports at the end of May 2019 indicate that housing affordability is increasing and some say it’s better now than it has been since 2016 on a national level. For first-time home buyers this is good news, but it’s also helpful for anyone looking to buy or refinance a home.

FHA Appraisal Questions and Answers

June 25, 2019 - There are a lot of questions first-time home buyers have about the FHA appraisal process. Many of these questions have similar answers, and some of them have exactly the same answer-it all depends on variables that are outside the scope of FHA home loan program rules for the appraisal.

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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!