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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

Common Questions About FHA Home Loan Approval

July 29, 2025The FHA helps people become homeowners by insuring loans that lenders issue. This allows those lenders to offer mortgages with lower down payments and more flexible credit rules. Borrowers who can't afford the larger down payments or meet the higher credit requirements of some conventional mortgages turn to FHA loans as a more affordable alternative.

How FHA Loan Limits Work

July 28, 2025Of all the rhythms in the American real estate market, few are as consistent as the late-year announcement of new home loan limits. Every year, typically in December, the FHA releases a schedule detailing the maximum mortgage amount it will insure for single-family homes in every county across the United States.

What to Know About FHA Streamline Refinance Loans in 2025

July 23, 2025The FHA and HUD have made multiple policy changes in 2025, including the elimination of eligibility for certain non-residents for FHA loan programs such as the FHA streamline refinance option. These changes affect both new borrowers and those with existing FHA mortgages.

FHA Updates Flood Policy for New Construction Homes

July 22, 2025FHA single-family home loan policy requires single-family residential property securing an FHA-insured mortgage to have flood insurance for the life of the loan if it is situated in a Special Flood Hazard Area (SFHA). FHA is now strengthening its physical requirements for new homes to be more resilient.

FHA Loans Affected by Natural Disasters

July 15, 2025Natural disasters cause disruptions to the home loan process. If you have an FHA loan or were in the process of getting an FHA mortgage loan before a disaster and the property was damaged during the incident, you'll be glad to know FHA loan rules offer some flexibility and protections if the disaster is recognized at the federal level.

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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.