Frame 30 (1)

Low Down Payment

Home Financing

Get approved for an FHA loan with as little as 3.5% down. Perfect for first-time homebuyers and those with credit as low as 500*. Available nationwide with flexible requirements.

Check the loan limits by area   >

Low Down Payment

Home Financing

Get approved for an FHA loan with as little as 3.5% down. Perfect for first-time homebuyers and those with credit as low as 500*. Available nationwide with flexible requirements.

Check the loan limits by area   >

Powered by Union Home Mortgage Corp.

NMLS #2229, NMLS Consumer Access website

Frame 29

Why Choose an FHA Loan?

FHA loans are backed by the Federal Housing Administration, making home ownership more accessible for millions of Americans with flexible requirements and competitive rates.

View Loan Requirements >
Frame 14
Low Down Payment Options
Put down as little as 3.5% with a credit score of 580 or higher. Even with lower credit scores, you may qualify with 10% down*
Frame 17 (1)
 First-Time Buyer Friendly
Perfect for first-time homebuyers with educational resources and flexible qualification requirements
Frame 17 (2)
 Multiple Refinancing Options
Streamline refinancing for existing FHA borrowers, plus cash-out refinancing to access your home's equity

Featured FHA Resources

Learn more about an FHA loan and why it might be right for you.
View All FHA Resources >
Test Article (Clone) 2 (Clone)
Test Article (Clone) 2 (Clone)

this is a test example of articles that could go here as an example of being a test article.

date icon January 13, 2026
time icon 8 min read
Read Full Article
Test Article (Clone) 2
Test Article (Clone) 2

this is a test example of articles that could go here as an example of being a test article.

date icon December 15, 2025
time icon 8 min read
Read Full Article
Test Article (Clone)
Test Article (Clone)

this is a test example of articles that could go here as an example of being a test article.

date icon December 15, 2025
time icon 8 min read
Read Full Article
Frame 191

8000+ 5-star Reviews!
We take pride in delivering exceptional solutions that deliver great results, but don't just take our word for it.

Ready to Get Started?

Take the first step toward homeownership with no down payment required.

Our loan specialists are ready to help you through the process.

Get Started
Talk to a Loan Officer
Your trusted partner for FHA loan financing. Helping families achieve homeownership with low down payments and flexible credit requirements

Powered by

Union Home Mortgage Corp.
Union Home Mortgage Corp. NMLS #2229, NMLS Consumer Access website
equal housing logo
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.
Union Home Mortgage is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. These materials are not from HUD or FHA and were not approved by HUD or a government agency.

Loans made or arranged pursuant to a California Finance Lenders Law license.

This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site.

*500 credit score is still subject to AUS approval. Agency terms and conditions may apply. This credit score is not eligible for Construction to Permanent or Renovation loans.
3.5% down payment example for a 30-year fixed-rate FHA loan: Total sales price $300,000, down payment $10,500, loan amount $289,500, interest rate 6.5%, Annual Percentage Rate (APR) 6.719%, final principal and interest payment $1,829.84. 10% down payment example for a 15-year fixed-rate FHA loan: Total sales price $300,000, down payment $30,000, loan amount $270,000, interest rate 6.5%, Annual Percentage Rate (APR) 6.774%, final principal and interest payment $2,353.80. Borrowers with lower credit scores may still qualify for an FHA loan; in some cases, a minimum down payment of 10% may be required based on credit qualifications. Taxes, insurance, and mortgage insurance will be part of the total mortgage payment but are not included in this example. This example is for illustrative purposes only and may differ from the current interest rate offered. Call for the current rate and full disclosure of current terms.
Copyright © Union Home Mortgage Corp. 2026 // 8241 Dow Circle West, Strongsville, Ohio 44136
Contact Usarrow down
Your trusted partner for FHA loan financing. Helping families achieve homeownership with low down payments and flexible credit requirements

Powered by

Union Home Mortgage Corp.
Union Home Mortgage Corp. NMLS #2229, NMLS Consumer Access website
equal housing logo
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.
Union Home Mortgage is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. These materials are not from HUD or FHA and were not approved by HUD or a government agency.

Loans made or arranged pursuant to a California Finance Lenders Law license.

This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site.
*500 credit score is still subject to AUS approval. Agency terms and conditions may apply. This credit score is not eligible for Construction to Permanent or Renovation loans.
3.5% down payment example for a 30-year fixed-rate FHA loan: Total sales price $300,000, down payment $10,500, loan amount $289,500, interest rate 6.5%, Annual Percentage Rate (APR) 6.719%, final principal and interest payment $1,829.84. 10% down payment example for a 15-year fixed-rate FHA loan: Total sales price $300,000, down payment $30,000, loan amount $270,000, interest rate 6.5%, Annual Percentage Rate (APR) 6.774%, final principal and interest payment $2,353.80. Borrowers with lower credit scores may still qualify for an FHA loan; in some cases, a minimum down payment of 10% may be required based on credit qualifications. Taxes, insurance, and mortgage insurance will be part of the total mortgage payment but are not included in this example. This example is for illustrative purposes only and may differ from the current interest rate offered. Call for the current rate and full disclosure of current terms.
Copyright © Union Home Mortgage Corp. 2026 // 8241 Dow Circle West, Strongsville, Ohio 44136