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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 April 11, 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

VA Construction Loans vs. FHA One-Time Close Loans

April 4, 2021 - VA loans are for veterans and currently serving military members with qualifying minimum time on duty. Certain surviving spouses of military members who have died as a result of military service may also qualify. VA construction loans have no minimum FICO score requirements listed in the VA guidelines.

FHA Loan Approval and Your Debt Ratio

April 1, 2021 - Some home loan applicants apply for an FHA mortgage thinking that their credit scores are the main factor in home loan approval. Others might know that both FICO scores and your record of on-time payments are crucial for loan approval.

FHA Home Loan Down Payments

March 31, 2021 - But the FHA mortgage loan program offers new purchase home loans for owner/occupiers with down payments as low as 3.5%. FHA loan applicants who don’t meet FHA and lender credit score minimum requirements may need to consider a 10% down payment.

Dos and Don'ts of the FHA Home Loan

March 30, 2021 - FHA home loans are for any financially qualified borrower. They are not limited to those in financial need and they are not restricted to first-time home buyers.  However, there are some things you should DEFINITELY do ahead of your home loan and things you should NOT do.

What Kinds of Houses Qualify for an FHA Loan?

March 29, 2021 - What kinds of houses qualify for an FHA home loan? The answer may surprise you since many people assume the types of homes they can buy are fully finished, typical suburban home. But you can purchase other types of properties, too. Do you know your options with an FHA loan?

Credit Approval Tips for Home Loan Applicants

March 28, 2021 - There are several things you should know that will help you understand the home loan process better. For some house hunters, getting approved for a home loan seems like a mystery but you can take some of the guesswork out of the home loan process by learning a few basic concepts.

FHA Loan Rules for Documenting Commission Income

March 27, 2021 - FHA mortgage rules require the lender to verify the borrower’s income and employment, and some borrowers come to the loan process with unique circumstances such as commission income.

Child Support Income, Alimony, and FHA Loans

March 25, 2021 - There are specific guidelines for participating FHA lenders who must include child support, alimony, or maintenance payments as part of loan processing. Borrowers who must pay child support, or other forms of support will be required to furnish documentation for their payments.

FHA New Construction Home Loans: One-Time Close

March 24, 2021 - The FHA One-Time Close Construction Mortgage allows a borrower to apply once and have a single closing date for a house built from the ground up-a great option to consider for those who don’t want to purchase already lived-in property.

Credit Problems? FHA Home Loan Approval Issues

March 23, 2021 - Getting your FHA lender to take you seriously as a borrower when you have had past credit trouble depends on certain factors. Try to show them your credit troubles were caused by circumstances beyond your control and demonstrate good credit use since the negative credit incident.

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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!