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In 2019, HUD made home ownership more affordable for millions of Americans with increased loan limits in 3,053 counties due to higher housing prices. FHA limits inform borrowers how much is available for an FHA home loan.

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June 17, 2019
FHA Rates for June 17, 2019
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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 Loan for a Second Home?

June 5, 2019 - FHA refinance loans are intended for residences, so you can’t refinance a vacation home, a time share, or any kind of commercial operation such as a Air B-nB, a bed and breakfast, condohotel, or other transient occupancy type rental space.

Home Loan Down Payment Do's and Don'ts

June 4, 2019 - Down payment assistance gift funds are not offered by the FHA and cannot be offered by the lender, but local agencies that meet FHA guidelines in this area may. You will need to search in your local area to learn what sources of down payment help might be open to you.

FHA Home Loans and Water Issues

June 3, 2019 - This is not the first thing a first-time home buyer thinks of when reviewing a home, but if a swimming pool does not meet local building code requirements and other local laws, the appraisal process could make the pool a sticking point in loan approval. 

Who Needs a Co-Borrower for an FHA Mortgage?

June 2, 2019 - FHA home loan rules permit more than one person to be obligated on the mortgage, and there are situations where multiple borrowers may wish to purchase a home together even if only one of those borrowers will actually live in the home. 

Can FHA Closing Costs Be Financed?

June 2, 2019 - Some of your FHA loan closing costs may be financed, and some may - after being negotiated between buyer and seller - be paid by the seller within the boundaries of the FHA loan program's rules. The borrower can also pay some closing costs out of pocket.

FHA Refinance Loan Facts You Need To Know

June 1, 2019 - FHA refinance loans can be used in a variety of ways, but you should know the rules before you commit as there are a variety of refinance loan options that can be used most effectively for specific needs. Know the facts about FHA refi loans before you apply and get the RIGHT loan for you.

FHA Down Payment and Gift Rules Still Apply

May 30, 2019 - FHA loan policy about down payments for new purchase home loans is quite clear. One condition of FHA loan approval is that the borrower provide a minimum cash investment--a down payment--of at least 3.5%.

First-Time Home Buyer Concerns

May 29, 2019 - What are the issues you need to pay attention to when house hunting for a new home? You can spot some problem areas yourself, but others may not be evident at all without doing research and asking questions about the location of the homes for sale that you might be interested in.

The Two FHA Rehabilitation Loans

May 28, 2019 - There are two kinds of FHA rehabilitation loans offered to borrowers who want to buy or refinance a home at the same time they get funding to repair, remodel, or renovate. These FHA mortgages are known as FHA 203(k) Rehab loans and FHA 203(h) rehab loans.

What Sellers Cannot And Should Not Do

May 27, 2019 - FHA home loans have rules, and house sellers in general have to obey certain federal laws. The gist of this is that when you buy a home with an FHA mortgage there are things the seller cannot do. For example,  the seller is not legally permitted to contribute toward a borrower’s down payment.

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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!