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A good FICO score is key to getting a good rate on your FHA home loan.
FHA Requirements
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This program lets buyers get a single loan with just one closing.
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Important FHA Terms

Important FHA Terms

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FHA Down Payments

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First-Time Homebuyers

FHA.com is a privately owned website, is not a government agency, and does not make loans.
FHA Loan Limits
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Frequently Asked Questions

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What are the differences between FHA loans and conventional mortgages?

The primary difference between conventional loans and FHA loans is that conventional loans are not government-insured. FHA loans are guaranteed with government funds that provide extra protection for ...

What is the Up Front Mortgage Insurance Premium and how much does it cost?

FHA collects a one-time Up Front Mortgage Insurance Premium (UFMIP) and an annual insurance premium (MIP) which is collected in monthly installments. Most FHA loan programs make the UFMIP a requiremen...

What factors can affect the cost of my FHA loan?

Understanding what your monthly payment or your interest rate will be is not enough. Ask for information about loans with the same loan amount, but with different loan terms or loan types so that you ...

What is mortgage insurance and why is it a requirement for FHA loans?

Mortgage insurance is a policy that protects lenders against losses that result from defaults on home mortgages. FHA requires both upfront and annual mortgage insurance for all borrowers, regardless o...

The FHA Loan is the type of mortgage most commonly used by first-time homebuyers and there's plenty of good reasons why.

FHA Loan Guide
Learn About FHA Requirements!

FHA.com is a privately-owned website that is not affiliated with the U.S. government. Remember, the FHA does not make home loans. They insure the FHA loans that we can assist you in getting. FHA.com is a private corporation and does not make loans.

FHA Loan Limits
MIP Information
FHA Closing Costs
FHA Debt Ratios
FHA Credit Issues
Loan Checklist
A good FICO score is key to getting a good rate on your FHA home loan.
FHA Requirements
Credit Benefits
Improving Credit
Be smart when it comes to your FHA loan and your financial future.
Ability to Borrow
Loan Affordability
Loan Payments
Streamline Refi
Cash-out Refi
Rehab Loan
Simple Refi
FHA Reverse
This program lets buyers get a single loan with just one closing.
Construction Loan
Buyer Benefits
Builder Benefits
Build on Your Land
FHA Fixed Rate
FHA ARM
FHA Jumbo Loans
Condo Loans

Important FHA Terms

Important FHA Terms

FHA Down Payments

FHA Down Payments
Common FHA Questions and Answers

Common FHA Questions

Purchase or refinance your home with an FHA loan. You can get one with a down payment as low as 3.5%. Browse through our frequent homebuyer questions to learn the ins and outs of this government backed loan program.

Go To Questions
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