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Whether you're a first-time homebuyer or want to refinance your current mortgage, there is a low down payment FHA program that's right for you.

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FHA Loan Requirements for 2026

580 Credit Score -and- 3.5% Down Payment

The FHA loan program lets you purchase a home with a low down payment and flexible guidelines. FHA refinance mortgages are a great option for those who want to lower their monthly mortgage payment or consolidate their bills.

See how we make the American dream a reality. Whether you're a first-time homebuyer moving to a new home, or want to refinance your existing conventional loan to an FHA mortgage, there's an FHA program suited to your needs. With no income limits or credit scoring, many people who can afford the monthly mortgage payments and have reasonable credit will qualify for an FHA mortgage.

FHA Loan Articles

House Hunting and Overextended Credit

December 18, 2024Start by tackling your existing debt head-on. Create a debt repayment plan and commit to it. Even small extra payments can make a significant difference over time. Consider different debt repayment strategies, like the snowball method (paying off the smallest debts first).

Why Some FHA Loans Are Denied

December 17, 2024While financial factors like credit score and debt-to-income ratio are key to loan approval, other non-financial aspects can also cause a denial. The FHA has minimum property standards for homes being financed. Lenders must confirm the property meets these standards before approving the loan.

FHA Loan Basics: Acceptable Property Types

December 11, 2024FHA loans, insured by the Federal Housing Administration, are a popular choice for many homebuyers, especially those who need a lower down payment or more forgiving credit qualifying requirements. FHA loans are primarily intended for primary residences and owner-occupied homes.

What You Need To Know About FHA Loan Limits

December 10, 2024The FHA updates its loan limits annually, which accommodates the dynamic nature of housing markets across the country. However, a second update within the year may be necessary to address significant market fluctuations. It doesn't happen often, but it does happen.

FHA Loan Limits For 2025 Are Going Up

December 9, 2024The FHA helps people buy homes, especially those buying for the first time or who might not have perfect credit. In 2025, there is good news for borrowers. FHA home loan limits are going up. In most places, the FHA loan limit for a single-family home in 2025 is $524,225. This is more than it was in 2024.

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Organize Your Finances

Set money goals and develop a plan to reach them. Decide what's important to spend on, then save the rest and build a nest egg for a down payment on a home.

Learn About the Costs

Get informed about mortgages from several lenders or brokers. Know how much of a down payment you can afford, and find out about the costs involved.

Monitor Your Credit

Your credit report is based on the bill payments you have missed or have been late paying, loans that you have paid off, plus your current amount of debt.

Address Credit Issues

Look at your debt-to-income ratio, maintain satisfactory payments for at least one year, and challenge unfair or erroneous entries on your credit report.

Find the Right Home

As you narrow down your home choices, go beyond the surface appearance and look carefully at each house. Be sure to examine the physical details and construction.

Make an Offer

Your agent will draw up a contract and submit a formal purchase offer to the seller's agent. This will include the purchase price and your terms and conditions.

Don't Skip the Inspection

A thorough home inspection can give you a more complete understanding of the home's condition and possibly reveal problems that you can't see.

Get Ready to Close

Mortgages are complex transactions. Understanding all the forms and disclosures is an important part of responsible home ownership.

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FHALoan.com is not a government agency. We do not offer or have any affiliation with loan modification, foreclosure prevention, payday loan, or short term loan services. Neither FHALoan.com nor its advertisers charge a fee or require anything other than a submission of qualifying information for comparison shopping ads. We do not ask users to surrender or transfer title. We do not ask users to bypass their lender. We encourage users to contact their lawyers, credit counselors, lenders, and housing counselors.