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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 January 23, 2021

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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

Home Loan Resources for First-Time Buyers

January 3, 2021 - If you are considering your first home loan, there are some great resources you should use in your planning and saving stage of the mortgage. No new borrower has all the information they need to buy a home at their fingertips in the early days.

Five FHA Loan Tips for the New Year

January 1, 2021 - Whether you’re looking at a starter home or you want to build a house on your own lot to retire in, there are many options with FHA mortgages and not all of them involve purchasing someone else’s suburban house; you can choose from condo units, mobile homes, and more.

Home Construction Mortgage Options: One-Time Close Loans

December 30, 2020 - If you want to build a home on your own land or on land you buy in conjunction with your construction loan, you should know there are a variety of construction mortgages out there and  not all of them are the same.

FHA and HUD Announce Extended COVID-19 Mortgage Relief

December 24, 2020 - This is not the first time the agency has modified the expiration dates of COVID-19 mortgage relief measures. It’s actually the fourth such extension and is applicable for all FHA mortgages except for buildings that are considered abandoned or legally vacant.

Building a Home Instead of Buying

December 23, 2020 - FHA One-Time Close construction loans are good for borrowers who aren’t worried about being able to qualify for the home loan with their FICO scores. Be sure to discuss the timing of your mortgage payments with your loan officer.

FHA Condo Loans in 2021

December 21, 2020 - FHA home loans for condo units typically include 15-year or 30-year purchase loan terms and refinance loan terms for units in an FHA-approved condominium project. But loans can also be approved for individual condo units in a project that is not FHA approved. 

Home Loan Questions to Ask Before You Commit

December 20, 2020 - The Federal Trade Commission recommends that home buyers ask specific questions about escrow requirements for their home loan. This is especially important for FHA One-Time Close construction loans, FHA 203(k) rehab loans, and similar loans.

FHA Home Loan Options for 2021

December 18, 2020 - If you are interested in buying a home in 2021, you have higher FHA home loan limits to look forward to. You also have a range of FHA home loan options you should seriously consider that can provide alternatives you might not be aware of.

FHA and HUD Explain Higher Loan Limits in 2021

December 16, 2020 - On December 2, 2020, the FHA and HUD issued a press release announcing higher FHA mortgage loan limits for applicants seeking FHA mortgages with FHA case numbers assigned on or after January 1, 2021. Those with home loans in the new year get higher loan guaranty limits.

FHA One-Time Close Loans: Program Changes in 2021

December 15, 2020 - The FHA and HUD have announced changes to the FHA One-Time Close program in 2021--changes which formalize certain elements of the program modified by Final Rules and other procedures. There are alterations to its maximum financing policy as well as modifications  in other areas. 

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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!