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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.

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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 Rules for Wells and Septic Systems

August 1, 2022 - What are the FHA requirements for wells and septic systems? FHA loan rules have some things to say about the placement of a septic tank, for example. FHA loan rules in HUD 4000.1 require the tank to be at least 50 feet from any well on the property.

How FHA Loan Limits Work

July 30, 2022 - FHA loan limits increased this year for many counties in the United States. Mortgage limits are calculated based on the median house prices in accordance with HUD 4000.1. FHA’s single family mortgage limits are set by Metropolitan Statistical Area and county and are published periodically. 

Factors That Influence Home Loan Approval

July 28, 2022 - What can help or hurt FHA loan approval? Knowing your lender’s needs when it comes time to approve your application can be a big help. You’ll make more informed choices about planning and saving for your mortgage based on these issues.

FHA or VA Construction Loans in California

July 26, 2022 - Building on your own lot with an FHA / VA / USDA One-Time Close construction loan is thriving in California. Zillow® reports the CA medium home value close to $799,000 for the period ending in Q2 2022, an increase of 23.49% in one year.

Interest Rates and FHA One-Time Close Construction Loans

July 25, 2022 - If you would rather build your home from the ground up than buy someone else’s dream home, you’ll need to be prepared for some extra costs. It can be more expensive to build rather than buy, but for some that extra money is worth the investment.

Shopping Around for an FHA Lender

July 24, 2022 - When it’s time to compare FHA lenders, no two financial institutions are exactly alike, and it is a smart idea to find out how they differ before you commit to one or the other. While all lenders may seem quite similar, where they differ matters.

HUD Updates FHA Appraisal Guidelines

July 23, 2022 - Sometimes there are delays in the home loan process that can put the borrower in danger of facing an expired appraisal, but in such cases, FHA rules have permitted an extension of the appraisal validity period for 30 additional days.

Getting Help With Your FHA Mortgage Down Payment

July 21, 2022 - Are you a first-time homebuyer? If you are looking for a home to buy with an FHA mortgage the idea of saving up for your down payment might feel intimidating. But as a first-time homebuyer, you have options for down payment help that can offset your upfront costs. 

FHA Loan Approval Questions For Self-Employed Borrowers

July 20, 2022 - Because of the global COVID-19 pandemic, many Americans had a job loss or a drop in income over coronavirus-related employment gaps. Those employment gaps can make it harder for a loan officer to approve a mortgage.

VA / FHA Construction Loans in Georgia

July 19, 2022 - Building a new home on your own lot with a VA / FHA construction loan is very popular in Georgia. Zillow® reports the GA medium home value reaching $316,000 at the second quarter of 2022, an increase over last year of  26.91%.

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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!