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For 2021, HUD made home ownership more attainable for millions of Americans by increasing the loan limits in 96.13% (3,108) 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, 2021.

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 September 22, 2021

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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

Credit Agency Advice for Your Home Loan

September 2, 2021 - Are you about being a truly ready borrower? If you are considering a home loan application is is a great idea to start working on credit and related home loan issues early--long before talking to a broker or mortgage lender.

Home Loan Prep: What One Credit Reporting Agency Says

August 31, 2021 - Thinking about buying or building a home? If you need a home loan, your credit report and credit score are important issues when it comes to home loan approval. If you aren’t working on your credit, you may not be ready for the loan when the time is right.

Review Your Credit Report Before You Commit to a Home Loan

August 29, 2021 - If you are looking at real estate or talking to realtors, it’s a very good idea to get well-acquainted with your own credit report. Doing so can make a big difference in how you prepare for your loan. You will want to review credit reports from Equifax, Experian, and TransUnion.

Questions to Ask Before Buying a House for the First Time

August 28, 2021 - There are plenty of things you should know before committing to the purchase of a home, especially if you are buying a house for the first time. And it’s not all tied to the condition of the house or the features it has. What kinds of questions should you ask before you make an offer?

First-Time Home Buyers and FHA Loan Rules

August 26, 2021 - Are you looking for a first-time home buyer loan? The FHA loan program does not offer a special advantage for first-time applicants (though a participating lender might) but FHA mortgages are a good option for those who have never purchased before.

What to Think About Before Applying for Your Home Loan

August 25, 2021 - What do you need to think about before applying for an FHA home loan? A lot of people make checklists to help them remember all the steps they need to take to prepare. And the individual steps can require more time that some anticipate.

Tired of Renting? The Benefits of an FHA Mortgage

August 24, 2021 - If you’re considering the purchase of a new home to get out of the renting cycle, it is a very good idea to compare your costs, determine your financial goals for the switch, and see what you might have to pay over the long run in both situations--owning and renting.

HUD Announces Fair Housing Partnership With FHFA

August 23, 2021 - In August of 2021, the Department of Housing and Urban Development issued a press release announcing their partnership with the Federal Housing Finance Agency (FHFA) with the goal of making greater strides to promote fair housing and the enforcement of the Fair Housing Act.

What You Should Know About Rising Mortgage Rates

August 22, 2021 - What should a borrower do when they want to buy or refinance a primary residence but interest rates are on the rise? No matter what loan amount you seek, or how many discount points you might think about buying, the rising rate issue is one that creates concern for some applicants.

How Accurate Is Your Credit Report?

August 20, 2021 - Before you get copies of your free credit reports, there are questions you should think about asking regarding your credit report and credit scores. These questions can help you get off to the right start in reviewing your credit. 

SEE YOUR CREDIT SCORES   From All 3 Bureaus  

Do you know what's on your credit report?

Learn what your score means.


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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!