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For 2021, HUD made home ownership more attainable for millions of Americans by increasing the loan limits in 96.13% (3,108) all of the 3,233 counties where they back home loans. FHA limits inform borrowers how much is available for an FHA home loan. These new loan limits are effective for case numbers assigned through Dec. 31, 2021.

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 23, 2021

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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

FHA Mobile Home Loans

December 7, 2020 - Are you interested in an FHA mobile home loan? FHA loans aren’t just for buying suburban homes or condo units. They're offered by participating lenders for  mobile homes, manufactured homes, or modular homes. Buying land for your mobile home is also allowed under FHA loan rules.

FHA Fixer Upper Loans (Part Two)

December 5, 2020 - FHA 203(k) Rehab loans don’t require the property to meet FHA and lender minimum property requirements at the time of the loan. However, FHA loan rules do require the home to meet those requirements when the rehab work is finished as a condition of loan approval.

FHA Fixer-Upper Loans (Part One)

December 4, 2020 - There are home loans you use to buy a home to move into right away, and then there are the home loans you use to buy a home that isn’t perfect and needs some repairs prior to move in. The first is known as an FHA 203(b) forward mortgage. The second is the FHA 203(k) rehabilitation mortgage.

Why Choose an FHA Home Loan?

December 2, 2020 - Sometimes, the simple questions are the most revealing. Why choose an FHA mortgage loan? Why not choose a conventional mortgage, VA loan, or USDA? Compared to conventional mortgages, FHA loans have more forgiving credit requirements.

Refinance Loans to Remodel Your Home

December 1, 2020 - If you need to buy and remodel a home, the standard FHA mortgage isn’t as helpful as an FHA 203(k) Rehabilitation mortgage, which is available to help buy and repair or remodel a home with approved projects. However, your lender won't you act as your own contractor.

Buying a Home? Use These Credit Resources to Prepare

November 30, 2020 - From the simple act of reviewing your credit scores all the way to getting an appointment with a local housing counselor to discuss how to properly get ready for your mortgage application, there are a variety of options to help you prepare for your loan.

Figuring Out Your FHA Home Loan Up Front Costs

November 27, 2020 - Up front costs are a typical part of doing business with an FHA mortgage. Anticipating your closing costs and down payment are an important part of the planning stages of your new loan. Do you know what you can avoid paying yourself up front?

Refinance Loan Choices You Should Consider

November 25, 2020 - The most important thing to do as you consider how to approach a refi loan is determine what your goals for the new loan might be. Cash out at closing time is a motivator for some, a lower interest rate or mortgage payment is another.

Prequalifying for an FHA Mortgage

November 23, 2020 - Getting prequalified is an initial step toward the loan. You are not committing to the mortgage yet, just exploring your options. You’ll want to have the general information about your income, the amount of debt you carry, your credit scores, and other details.

Mortgage Loan Income Guidelines: What You Need To Know

November 22, 2020 - FHA loan rules include instruction to your loan officer about how to process your employment information and also includes guidelines about how much time in the job market is required in order for you to be seriously considered as a home loan applicant.

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!