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Government-backed mortgages with 3.5% down payment and flexible credit requirements. Program details vary by file and property. This page is not a credit decision.
Comprehensive FHA loan resources organized by topic. Navigate through our complete collection of FHA loan programs and guides.
Buy your home with just 3.5% down payment and flexible credit requirements.
You are hereRefinance an existing FHA loan with a streamline option that often uses lighter paperwork. An appraisal is often not required, but lenders may still require one depending on the file and overlays — confirm with your lender.
Learn MoreFinance both home purchase and renovation costs in a single FHA loan.
Start RenovatingFund energy-saving home improvements with your FHA loan financing.
Save EnergyExplore FHA loan limits by county and understand maximum borrowing amounts.
View LimitsEstimate your monthly payments, MIP costs, and total loan costs with our FHA calculator.
Calculate NowAll FHA loan programs are government-backed mortgages designed for first-time homebuyers and borrowers with lower credit scores.
Compare with other loan typesEverything you need to know about FHA loans and requirements
Navigate to any section to learn more about FHA loans
What they are and how they work
Credit scores and qualifications
Calculate your monthly payments
Estimates, not approvals
Maximum loan amounts by area
Market trends and tips
Renovation and energy loans
Start your FHA loan journey
Click any section above to jump directly to that part of the guide. Use our FHA calculator to estimate your monthly payments and see if FHA is right for you. Each section contains comprehensive information to help you make informed decisions about your home loan.
FHA loans are government-backed mortgages designed to help homebuyers achieve homeownership with flexible requirements and low down payments.
As low as 3.5% with 580+ credit score, or 10% with 500+ credit score
More lenient credit score requirements compared to conventional loans
Debt-to-income ratios up to 57% with compensating factors
FHA insurance protects lenders, allowing more flexible terms
A federally registered mortgage loan originator can explain the file. That conversation is not a pre-qualification.
Work with a real estate agent to find a home that meets FHA standards
Complete your FHA loan application with required documentation
FHA underwriter reviews your application and schedules closing
FHA loans are assumable, meaning future buyers may be able to take over your loan with its original terms and interest rate. This can be a significant advantage when selling your home in a high-rate environment.
Estimate your monthly payments including principal, interest, and mortgage insurance
Estimate your monthly payments including principal, interest, and mortgage insurance
Minimum 3.5% required for FHA loans
5% down lowers annual MIP from 0.55% to 0.50%
MIP still lasts for the life of the loan below 10% down
Updated FHA loan limits for 2026 - higher limits to reflect current market conditions
FHA loan limits increased significantly for 2026 to reflect rising home prices nationwide. The minimum limit rose from $524,225 in 2025 to $541,287, while high-cost area limits increased to $1,249,125 for single-family homes. These higher limits make FHA loans more accessible in expensive markets.
Stay informed with the latest FHA loan trends and expert recommendations for 2026
Even small credit score improvements can reduce your down payment requirement
Start saving early - even 3.5% down requires significant preparation
Have pay stubs, tax returns, and bank statements ready for faster processing
Work with agents familiar with FHA property requirements
A federally registered mortgage loan originator can explain FHA options. Calling or sending a form is not a pre-qualification.
Explore FHA financing with clear estimates and guidance from a federally registered mortgage loan originator.
Review FHA qualification requirements with a federally registered mortgage loan originator
Work with federally registered mortgage loan originators who understand the program
Review available FHA rates and terms for your scenario
* Pre-qualification subject to credit and income verification. FHA loans require mortgage insurance. Terms and conditions apply.
Browse our complete collection of FHA loan options
Refinance an existing FHA loan with a streamline option that often uses lighter paperwork. An appraisal is often not required, but lenders may still require one depending on the file and overlays — confirm with your lender.
Learn MoreFinance both home purchase and renovation costs in a single FHA loan.
Start RenovatingFund energy-saving home improvements with your FHA loan financing.
Save EnergyExplore FHA loan limits by county and understand maximum borrowing amounts.
View LimitsCalculate your monthly payments, MIP costs, and total loan costs.
Calculate Now