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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 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 January 24, 2022

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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

Are You Ready to Apply for an FHA Cash-Out Refinance Loan?

January 10, 2022 - The FHA Cash-Out Refinance loan provides a way to refinance with money back to the borrower at closing time. It’s a way to cash in on the equity you have built up over time for any purpose acceptable to you and the lender.

What to Expect from Your FHA Mortgage Payment Each Month

January 9, 2022 - When you are approved for your FHA home loan, as a first-time home buyer you might be wondering what to expect from your mortgage payments. Starting your homeownership journey should include having a clear idea of what to expect each month from your payment.

FHA Loan Approval: What it Takes

January 8, 2022 - There are three separate areas that affect your lender’s decision to approve or deny your home loan application. If you start preparing for your loan in advance and anticipate these three areas, you can help yourself get much closer to loan approval.

What First-Time Homebuyers Should Know About Appraisals

January 7, 2022 - There are many things you will want to know about the home loan process before you submit an application for an FHA mortgage loan. One of those important areas? The appraisal process. There are several misconceptions to avoid when considering your appraisal options.

FHA Energy Efficient Mortgages

January 6, 2022 - If you have never applied for an FHA mortgage before, you might not know about the FHA Energy Efficient Mortgage (EEM) option for these loans. An EEM is add-on that  provides extra funds for the purpose of installing energy-saving upgrades to a home.

Time to Get Started With an FHA Loan

January 5, 2022 - Are you thinking about your options for an FHA mortgage? Borrowers should spend plenty of time examining several aspects of their finances and credit before filling out paperwork or online forms to apply or get pre-approved for an FHA loan.

Mortgage Loan Basics for New Borrowers

January 5, 2022 - An FHA loan down payment, for example, must be paid independently of any other closing costs. You can’t pay $400 for an appraisal (this number is for example purposes only, your experience may vary) and expect to have that $400 subtracted from the amount of the down payment.

FHA Home Loan Terms You Should Know

January 4, 2022 - If you are new to the home loan process and want to apply for an FHA mortgage, you’ll encounter some technical terms that might be confusing at first. But the more familiar you get with the home loan process, the more these new terms will make sense.

Housing Counseling for First-Time Home Buyers

January 3, 2022 - In cases where down payment assistance is concerned,  counseling is usually required to make sure the applicant fully understands their responsibilities for the loan. That includes why escrow may be required, and covers payment of property taxes and other expenses related to the home loan.

What You Should Know About Down Payment Assistance Programs

January 2, 2022 - Want to buy a home with an FHA mortgage but are worried about coming up with your down payment? There are plenty of state and local down payment assistance programs but before you consider applying for one, there are some things you should know.

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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!