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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 Loan Programs for 2022

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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
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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 Loan Issues: Seller Inspections

July 8, 2022 - A seller inspection is something you may encounter when you’re ready to make an offer on a home. The seller may elect to have the property inspected to anticipate any hidden issues and you should be given access to the results of that inspection when it is time to make an offer.

FHA Loan Planning for Borrowers

July 7, 2022 - One of the first things a new borrower learns is that the planning stage of a home loan is a very  important part of the journey. Sorting out a home loan needs includes deciding about the type of home you might want, price ranges, and how large a down payment you want to make.

FHA / VA One-Time Close Construction Loans in Texas

July 6, 2022 - FHA / VA One-Time Close construction loans are popular for those looking to build a new home in Texas. Zillow® reports the TX medium home values near $313,000 for the year-to-year period ending in June of 2022, which is an increase of 24.21%.

FHA One-Time Close Construction Loans vs. Two-Close Loans

July 5, 2022 - If you don’t know the difference between a One-Time Close construction loan and construction loans that require two loans and two closing dates, you aren’t alone. The good news is, the major differences between these two options are very easy to understand.

Buying a Home With an FHA Mortgage When Rates Are Climbing

July 4, 2022 - Consider working on your FICO scores by establishing a 12-month-or-better record of on-time, every-time payments. The results can include an overall improvement in your FICO scores depending on how long you spend working on your payments.

FHA Loans in Buyer's Markets and Seller's Markets

July 3, 2022 - If you are new to the house-hunting process, you might wonder about real estate terms related to the process. Are you home shopping in a buyer’s market or a seller’s market? If you aren’t clear on what those terms mean, it’s good to know them ahead of your search for a home.

What Affects Mortgage Loan Interest Rates?

July 2, 2022 - What can affect the interest rate you are offered on an FHA mortgage? Some people think the Fed sets mortgage loan interest rates, but their work only indirectly affects them. Instead, investor reactions to the Fed’s announcements are what sends rates up or down.

Why Do People Choose FHA Adjustable Rate Mortgages?

July 1, 2022 - Why choose an FHA adjustable rate mortgage, also known as an FHA ARM? Why refinance into one? When interest rates are rising some consider the ARM loan as part of a larger strategy to save money on the loan, long-term.

Things to Consider When Buying a Home with an FHA Mortgage

June 30, 2022 - Are you a first-time homebuyer? It’s not unusual to feel a bit intimidated about making choices about the size and features of the home you want to buy. But a little planning can make your entire process feel easier to manage. Use a checklist to review features and priorities.

FHA / VA Construction Loan Options in Washington State

June 29, 2022 - Consider using an FHA or VA backed One-Time close construction loan in Washington State.  Zillow® reports the WA medium home value at the end of Q2, 2022 to be $354,000.  WA home values have gone up 20% over the past year.

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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!