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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
- 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 Home Loans and HOA Agreements

September 14, 2022 - Borrowers who want FHA condo loans, or who buy homes in neighborhoods that have homeowner associations may be required to sign agreements for maintenance of common areas, agreements not to radically alter the exterior aesthetics of the home, or other covenants.

Streamline FHA 203(k) Rehabilitation Loans

September 13, 2022 - The FHA offers something called a 203(k) Rehab loan for borrowers who want to purchase and rehab a property. This is a great loan offering, but what about borrowers who don’t need to do extensive rehab work to a home?

FHA Construction Loans vs. FHA Purchase Loans

September 12, 2022 - What makes an FHA One-Time Close construction loan different from a FHA purchase loan? There are important features of each type of loan that you should know about before you commit to either loan type. Are you fully committed to building instead of buying an existing home?

Can I Get a Refund on My FHA Appraisal?

September 11, 2022 - Many first-time homebuyers have questions about the FHA appraisal process, including whether or not they can get a refund from an appraiser in cases where a house has not been approved for an FHA mortgage or when the home’s appraised value comes back lower than expected.

FHA Loan Rules for Late and Missed Payments

September 10, 2022 - Are you in danger of missing payments? Are you in danger of missing payments on your current rent or mortgage? Those missed payments in particular can be especially dangerous if you need to apply for a new FHA home loan.

Home Loan Interest Rates: Fact and Fiction

September 9, 2022 - If you want to apply for an FHA mortgage, knowing a few facts about how home loan interest rates work can really help you during the planning stages. Here’s what you need to know about home loan interest rates--especially if you want to build a home.

FHA Appraisal Rules: Heating and Air Conditioning Systems

September 8, 2022 - Some borrowers want to know if a house must have central heating and air conditioning (HVAC) in order to be FHA approved? Will a home survive an FHA appraisal without an HVAC system? FHA loan rules for appraisals do address this issue and the answers to this question are found in HUD 4000.1.

FHA Loans Without a Credit History

September 7, 2022 - Some borrowers come to the FHA loan process with a long credit history, while other borrowers are just getting started. Is it possible for a borrower be turned down for an FHA loan because of a lack of credit history?

FHA Loan Applications and Debt Ratios

September 6, 2022 - When you apply for an FHA mortgage loan, your lender is required to make sure you can afford the loan and your current amount of monthly debt. The loan officer will be required to calculate the amount of your financial obligations and compare it to your current income to determine approval eligibility.

Your FHA Loan Credit Qualifications

September 5, 2022 - It’s easy to assume that your FICO scores are the key to getting a home loan approved. After all, FHA loan credit qualifications do specify a minimum FICO score for all borrowers. The FICO score minimums for the lowest down payment are set by the FHA and HUD.

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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!