FHA Loan Requirements
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.
- The Facts About FHA Credit Requirements and FICO® Scores
- Do FHA Loan Requirements Apply to All Borrowers?
- Your FHA Loan Credit Qualifications

FHA Limits for 2022
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.

Down Payment Grants for FHA Loans
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
June 13, 2022 - Home equity is the difference between the current market value of the home and the amount you still owe on the mortgage. But that market value is subject to change depending on supply and demand, interest rates, and other factors.
June 11, 2022 - Homebuyers may have trouble finding a condo project that is on the FHA-approved list. The good news is that changes in FHA loan policy have made it possible to consider an individual condo unit even if the project itself is not on that FHA list.
June 10, 2022 - When you buy a home with an FHA mortgage, you will choose between a fixed-rate mortgage where the payments stay the same for the duration of the loan term and an adjustable-rate mortgage where the rates may change after a certain period of time.
June 8, 2022 - If you apply for an FHA home loan, you may be required to use an escrow account for certain aspects of the transaction including a place to deposit earnest money before the deal closes. You may also be required to use escrow to pay your property taxes each year.
June 6, 2022 - Do you want to build a new home from the ground up on your own lot? If you are interested in a construction loan there are a variety of options between conventional loans, FHA construction loans, and other programs.
June 5, 2022 - Saving a home from loan default and foreclosure may feel like a difficult thing to do, but knowing a few issues in advance can help. One good example? The basic differences between two major choices you have in saving your home; refinancing and loan forbearance.
June 4, 2022 - Why can’t a home buyer put their trust in the appraisal alone? Why should you budget and pay for the optional home inspection? Inspections are only as optional as taking a used car for a test drive before agreeing to buy it.
June 3, 2022 - There are important things to remember about your credit and credit checks going into the application process for any major line of credit including a mortgage. If you know these things ahead of time you can avoid some common first-time borrower mistakes.
June 2, 2022 - There are many mortgages to choose from. There are conventional loans, plus government-backed home loan programs such as VA mortgages, and even USDA home loans. All options to consider. So why choose an FHA mortgage instead?
June 1, 2022 - You can build on your own lot using an FHA mortgage, even as a first-time home buyer. You will get the same 3.5% down payment minimum on an FHA construction loan as you would buying existing construction real estate.

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Learn what your score means.

Homebuyer Terminology
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!
