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In 2018, HUD made home ownership more affordable for millions of Americans with increased loan limits in 3,011 counties due to higher housing prices. FHA limits inform borrowers how much is available for an FHA home loan.

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December 14, 2018
FHA Rates for December 14, 2018
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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 in December

November 28, 2018 - There is a big difference between house hunting in December and closing the deal in December. Buyers may find sellers more willing to negotiate during the winter months in general if it looks to the seller like a long time might pass before getting another offer.

What to Do Before Refinancing

November 27, 2018 - Remember, it’s better to take longer to prepare for your refinance if you need to in order to fix things like payment history (a recommended 12 months of on-time payments for all bills) or correct identity theft issues on a credit report.

Five Things to Remember About FHA Loans

November 26, 2018 - An FHA mortgage is available to anyone who financially qualifies and is not restricted to first-time home buyers or those who have never owned property before. Like VA home loans, and USDA mortgages for rural areas, the FHA mortgage program is a government-backed home loan.

FHA New Purchase Home Loan Options

November 24, 2018 - Applying for an FHA mortgage to purchase a new construction or existing construction home is known as a forward mortgage and there are a variety of options. FHA loans are a good choice if you need more forgiving credit standards and a lower down payment requirement.

Reasons to Buy a Home With an FHA Mortgage

November 22, 2018 - If your rent every month is costing you more than a mortgage would, does it make more sense to buy? You may also be tired of being unable to make changes to your living space and want the freedom of home ownership rather than the insecurity of lease expirations, increasing rent, etc.

Frequently Asked Questions About Cash-Out Refinance Loans

November 20, 2018 - Do you know what to expect when you want to pull value out of your home in cash? Is there a difference between cash-out refinance loans in Texas and New York? How much money will you get in cash? These and other questions are important to answer in advance.

Do FHA Mortgage Loans Have Minimum Amounts?

November 18, 2018 - If you need an FHA forward mortgage, refinance loan, or FHA rehab loan , you should definitely know how home loans work in this area. FHA mortgages require the lender to set the mortgage amount based on the lesser of the appraised value of the home or the seller’s asking price.

How Late Payments Affect FHA Loan Approval Chances

November 16, 2018 - General advice says that borrowers should come to the FHA home loan application process (or any mortgage loan) with a minimum of 12 months of on-time payments on all financial obligations including-and especially-payments for rent or a prior mortgage.

Reasons to Refinance Your Home Loan Now

November 15, 2018 - FHA refinance loans are for single-family, owner-occupied residences used as a borrower’s home. Your original home loan may not be an FHA mortgage, but you can still refinance your existing non-FHA mortgage into an FHA home loan.

Do FHA Streamline Refi Loans Require a Seasoning Period or Appraisal?

November 13, 2018 - A home appraisal is generally required of mortgage loans to establish the fair market value of the home based on current market conditions, and the seasoning period is the time you must wait before applying for a refinance loan after the initial mortgage.

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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!