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New FHA / HUD Guidelines will insure new increased loan amounts based on your county and state. Qualifying customers can now apply for an FHA Jumbo Loan.

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.

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NOTICE: Some FHA mortgage lenders are substantially raising FICO score requirements during the Coronavirus crisis, even though FHA minimums remain unchanged.


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

FHA Jumbo Loans

Borrowing the FHA Loan Maximum Amount

FHA Jumbo Loans

New FHA / HUD Guidelines will insure new increased loan amounts based on your county and state. That means you can take advantage of new maximum loan limits for FHA loans. Qualifying customers can now apply for an FHA Jumbo Loan up to the maximum allowed by FHA. You can apply for a home loan with 3.5% down under new FHA loan limits.

A sampling of FHA approved lenders show the following qualifying guidelines:

  1. Qualified borrowers pay for closing costs plus down payment covering the 3.5% statutory minimum.
  2. Standard FHA guidelines and regulations apply, yet many lenders do require a 580 FICO score.
  3. For greater loan amounts on purchases, minimum FICO scores increase to 600 on Purchase, Rate / Term refinances and to 640 on cash-out refinances.
  4. Maximum Debt to Income Ratio's are 43% on the back end.
  5. No down payment assistance on loan amounts over $484,350.
  6. No non traditional credit.
  7. Declining Markets: Two appraisals will be required when the loan amount, excluding upfront MIP, will exceed $484,350 and the LTV equal to or greater than 95%.

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FHA Loan Articles and Mortgage News

FHA Home Loans and Debt

April 9, 2021 - The debt-to-income ratio is an important calculation for all borrowers--the more income you have compared to outgoing payments every month the better. So how do borrowers with a lot of debt deal with this problem? Learn about what the FHA considers to be a debt.

FHA Loan Down Payment Rules You Should Know

April 8, 2021 - There are some general FHA loan rules you should know in the planning stages of your new loan--rules that can help you decide what to do about saving up for a down payment or how to deal with closing costs. Knowing these rules can help you get much closer to home loan approval.

Should I Use Cash-Out Refinancing to Pay Off My Credit Cards?

April 7, 2021 - The FHA Cash-Out refinance loan is a way home owners can tap into the equity built up in their homes and take it out in cash once the original loan and the closing costs of the new loan have been dealt with. There are many uses for the money you get in a cash-out refinance transaction.

FHA Home Loan Down Payments

March 31, 2021 - But the FHA mortgage loan program offers new purchase home loans for owner/occupiers with down payments as low as 3.5%. FHA loan applicants who don’t meet FHA and lender credit score minimum requirements may need to consider a 10% down payment.

Dos and Don'ts of the FHA Home Loan

March 30, 2021 - FHA home loans are for any financially qualified borrower. They are not limited to those in financial need and they are not restricted to first-time home buyers.  However, there are some things you should DEFINITELY do ahead of your home loan and things you should NOT do.