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For 2020, HUD made home ownership more attainable for millions of Americans by increasing the loan limits in almost 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, 2020.

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 October 21, 2020

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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

Should You Build a Home or Buy a Home?

October 6, 2020 - Build a home on your own land using a One-Time Close construction loan or buy an existing property? There are some questions to ask yourself about your financial needs and goals that could change your mind about choosing one path or the other.

Buying or Building a Home: Credit Checklist

October 3, 2020 - Are you interested in buying an existing home or having one built for you on your own lot? Before you apply for a mortgage, there are some important credit issues you’ll want to address to improve your chances at home loan approval.

FHA Home Loans and Hazard Insurance: Is it Required?

October 1, 2020 - Do homes purchased with an FHA home loan require hazard insurance? This is a common home loan question and one a borrower should take pains to sort out since such insurance can affect your bottom line when buying or building a home. 

FHA Temporary Guidelines for Employment Verification to End Soon

September 29, 2020 - When the coronavirus pandemic began affecting America, federal agencies began establishing certain temporary guidelines to help employees, customers, and clients to continue having access to important services including FHA loans.

FHA and HUD Announce New FHA Home Loan Approval Rules

September 26, 2020 - The FHA and HUD have announced new guidelines for borrowers who are applying for FHA mortgages and have had previous mortgage forbearance. Since the start of the global pandemic, these agencies have offered borrowers mortgage relief to help offset new financial burdens.

Introduction to VA One-Time Close Construction Mortgages

September 24, 2020 - While VA construction loans don’t require a down payment in most cases, borrowers with FICO scores that would require money down will be required to provide the funds without outside assistance. The same is true of those who don’t have to make a down payment but choose to do so anyway.

HUD Announces Disaster Relief for Oregon Wildfire Victims

September 22, 2020 - Wildfires have destroyed entire towns in the western part of the United States and many areas are getting federal disaster declarations as a result. The U.S. Department of Housing and Urban Development has announced disaster relief for FHA borrowers in the state of Oregon.

FHA Loan Limits: Facts You Should Know

September 21, 2020 - What facts do you need to know about FHA home loan limits? Facts such as FHA loan limits may vary depending on county and that FHA mortgage limits are higher in high-cost areas like  California, New York, and Hawaii?

Questions to Ask About Your Home Loan

September 18, 2020 - Are you thinking about buying a home, or considering applying for a construction loan to build a house on your own lot? There are some important questions to ask about home loans that could determine whether you buy an existing construction house or decide to build your own.

FHA One-Time Close Construction Loan Rules for Purchasing Land

September 14, 2020 - What are the FHA loan rules for buying land as part of a construction loan? Not all borrowers own their own land. Ehen you want to build on your own lot, you may need to purchase the lot as part of the loan.

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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!