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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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April 22, 2019
FHA Rates for April 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

Facts About Down Payment Assistance and FHA Loans

April 1, 2019 - First-time home buyers are often concerned about the amount of their down payment requirement with a new home loan. That is one reason why FHA mortgages are so attractive to qualified borrowers - the 3.5% down payment requirement is an excellent alternative to other mortgages.

Refinancing for First-Time Homeowners

March 31, 2019 - What does a house hunter need to know about making the transition from being a first-time home buyer to being a first-time home owner? One important area is your ability to refinance and why you might choose to do so.

Does Brexit Affect the Cost of Your Home Loan?

March 29, 2019 - Mortgage loan interest rates are affected by market forces including investor decisions to put money in riskier ventures when conditions seem favorable. But when conditions don’t favor these decisions, investors may flee for the safety of safe haven investments like Treasury Bills.

Questions to Ask About Your FHA Home Loan

March 27, 2019 - Depending on your financial needs and goals, you may wish to explore the option of an Adjustable Rate FHA Mortgage compared to the fixed rate loan. Adjustable Rate Mortgages, also known as ARM loans, often feature a lower introductory interest rate.

Millennial First-Time Home Buyers and FHA Mortgages

March 26, 2019 - If you are a first time home buyer and you have FICO scores that qualify you for the lowest down payment, with an FHA mortgage loan that down payment is only 3.5% of the adjusted value of the home. It’s easy to see that an FHA home loan is a serious option to think about

FHA Refinance Loan Options

March 25, 2019 - FHA home loans have four basic refinance options you can consider as part of a long-term strategy to buy and own a home. Would you like to get a lower monthly payment or a lower interest rate at some point? Get funds to upgrade or repair the home in the future?

VA One-Time Close Construction Loans

March 24, 2019 - Did you know that the VA offers a One-Time Close construction loan similar to the FHA One-Time Close loan? The VA version of the One-Time Close loan allows qualified borrowers to finance both the construction and the permanent mortgage at the same time.

Ways to Lower Your Down Payment Out-of-Pocket

March 23, 2019 - One of the most common questions about the down payment involves how to pay less up front for your home loan-what are the best ways to lower the amount of money you have to provide for the required minimum 3.5% down on a mortgage?

Using 401K Income for an FHA Home Loan

March 21, 2019 - FHA home loans require the lender to verify income and employment. If you are an experienced house hunter or a first-time home buyer, you may have questions about this process where certain types of income are concerned.

Why Your Lender Wants to See Your Tax Returns

March 20, 2019 - The home loan is a major investment, and lenders are required to exercise due diligence in making sure the borrower’s financial data is accurate and meets home loan approval standards. Reviewing your tax returns shows the lender the exact nature of income and employment.

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!