Quantcast

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.

FHA Mortgage Loan Rates

December 6, 2019
FHA Rates for December 6, 2019
Compare 30 Year Fixed Mortgages
Compare 15 Year Fixed Mortgages
Use our mortgage calculators
to see what you can afford!

Learn About FHA Loans

Find out why FHA mortgages with low down payments are so popular with homebuyers.

FHA News Blog

Compare FHA Rates

Choose Your Loan Type

FHA.com is a privately owned website, is not a government agency, and does not make loans.

Your Credit Score

Your Credit Score

Do you know what's on your credit report?

Learn what your score means.

get your credit score
see your credit score
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.

SEE YOUR CREDIT SCORES   From All 3 Bureaus  

Do you know what's on your credit report?

Learn what your score means.


GET STARTED

FHA Loan Articles and Mortgage News

FHA Loans: What Your Seller Might Not Tell You

November 20, 2019 - If you have been house hunting on the real estate market for any length of time, it starts to become apparent that there are things a seller can’t or won’t tell you. And that does not necessarily mean they are being dishonest or should be considered suspect.

Best Advice for Buying a Home

November 18, 2019 - Are you looking for the best advice for buying a home? There is a lot of information out there, but some of the most useful advice is often overlooked. Make sure you consider home affordability and compare prices of similar homes in the area where you want to live.

Thinking of Refinancing in 2020?

November 16, 2019 - Interest rates hit incredible lows in 2019, prompting many home owners to consider their refinance loan options. Are you thinking of refinancing in 2020? It may be a good time to discuss your FHA refinance loan needs.

What You Need to Know About Debt Collection

November 14, 2019 - Having a collection on your record is not necessarily a barrier to loan approval, but if you are planning on purchasing real estate, or want to hire a broker or realtor to help you, make sure you understand what these rules mean and how you can take steps minimize delays.

One-Time Close Construction Loans and Well Water

November 11, 2019 - If you want to build on your own land using an FHA One-Time Close construction loan, there are some FHA appraisal requirements the property must meet in order to pass the final walk-thru or compliance inspection.

Home Loans and Homeownership Counseling

November 9, 2019 - FHA home loans have a delinquency rate that is higher than conventional mortgages. A CNCBC report says the rate is as much as six percent higher. Housing counseling could help prevent some of those delinquencies.

Home Loan Credit Advice From Credit Watchdogs

November 7, 2019 - There are many consumer watchdog organizations helping people learn more about how credit works and what it takes to get a better FICO score so you can get more competitive interest rates and down payment requirements from a lender.

FHA One-Time Close Mortgage Interest Rates

November 5, 2019 - Why do borrowers who want to build a house on their own lot turn to an FHA One-Time Close construction loan instead of conventional construction loans? Perhaps for reasons that include a lower mortgage loan interest rate and a lower down payment requirement.

Who Can Help With Your Home Loan Down Payment?

November 3, 2019 - The idea of planning for ten years or so to buy a home is actually a fairly sound one if you consider having to save up for the down payment, closing costs, moving expenses, and new appliances where needed.

FHA Loan Appraisal Issues: Cosmetic or Health Hazard?

November 2, 2019 - Raising awareness of the lead paint issue is a priority with HUD if the number of awareness campaigns the agency has run over the years is any indication. FHA assumes that homes built before the 1978 lead paint ban went into effect are presumed to be contaminated.

SEE YOUR CREDIT SCORES   From All 3 Bureaus  

Do you know what's on your credit report?

Learn what your score means.


GET STARTED

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!