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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

What You Should Know About Home Equity

June 13, 2022 - Home equity is the difference between the current market value of the home and the amount you still owe on the mortgage. But that market value is subject to change depending on supply and demand, interest rates, and other factors.

Condo Loans and Condo Unit Approval

June 11, 2022 - Homebuyers may have trouble finding a condo project that is on the FHA-approved list. The good news is that changes in FHA loan policy have made it possible to consider an individual condo unit even if the project itself is not on that FHA list.

How FHA Adjustable Rate Mortgages Work

June 10, 2022 - When you buy a home with an FHA mortgage, you will choose between a fixed-rate mortgage where the payments stay the same for the duration of the loan term and an adjustable-rate mortgage where the rates may change after a certain period of time.

Why Use an Escrow Account for an FHA Mortgage?

June 8, 2022 - If you apply for an FHA home loan, you may be required to use an escrow account for certain aspects of the transaction including a place to deposit earnest money before the deal closes. You may also be required to use escrow to pay your property taxes each year. 

Benefits of a One-Time Close Construction Loan

June 6, 2022 - Do you want to build a new home from the ground up on your own lot? If you are interested in a construction loan there are a variety of options between conventional loans, FHA construction loans, and other programs.

The Difference Between FHA Loan Refinancing and Loan Forbearance

June 5, 2022 - Saving a home from loan default and foreclosure may feel like a difficult thing to do, but knowing a few issues in advance can help. One good example? The basic differences between two major choices you have in saving your home; refinancing and loan forbearance.

FHA Appraisals: What Could Be Wrong With the Home You Want to Buy?

June 4, 2022 - Why can’t a home buyer put their trust in the appraisal alone? Why should you budget and pay for the optional home inspection? Inspections are only as optional as taking a used car for a test drive before agreeing to buy it.

What You Should Know About FHA Loan Credit Checks

June 3, 2022 - There are important things to remember about your credit and credit checks going into the application process for any major line of credit including a mortgage. If you know these things ahead of time you can avoid some common first-time borrower mistakes.

Reasons to Choose an FHA Mortgage Over Other Government-Backed Loans

June 2, 2022 - There are many mortgages to choose from. There are conventional loans, plus government-backed home loan programs such as VA mortgages, and even USDA home loans. All options to consider. So why choose an FHA mortgage instead?

Build a House on Your Own Land With an FHA Loan

June 1, 2022 - You can build on your own lot using an FHA mortgage, even as a first-time home buyer. You will get the same 3.5% down payment minimum on an FHA construction loan as you would buying existing construction real estate.

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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!