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FHA Eligibility Essentials
Loan Requirements
Your complete guide to FHA loan requirements, limits, and benefits.
 Discover flexible financing options designed to make homeownership accessible.

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FHA Loan Program Highlights

Available for purchase, refinance, and construction.
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Minimum Down Payment
3.5%
One of the lowest down payment options.
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Income Limits
None
No maximum income restrictions.
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Loan Types
Multi-Purpose
Purchase, refinance, and construction options.

Eligible Property Types

FHA loans can be used for a variety of residential properties.
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1 to 4-Unit Properties

Single-family homes, Single family, 2-4 units are all eligible for FHA financing
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FHA-Approved Condominiums

Condos that meet FHA approval requirements and are on the approved list
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Townhomes

Attached townhouses that meet FHA property standards and requirements
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Manufactured Housing

Permanently affixed manufactured homes on a permanent foundation

FHA Loan Amounts Limits

Maximum loan amounts vary by location and property type.
 
Maximum Loan Amounts by Region 
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¹Union Home Mortgage does not currently do business in New York, Hawaii, and Guam.

FHA Loan Amounts Limits

Maximum loan amounts vary by location and property type.
 
Maximum Loan Amounts by Region 

¹Union Home Mortgage does not currently do business in New York, Hawaii, and Guam.

 

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Your trusted partner for FHA loan financing. Helping families achieve homeownership with low down payments and flexible credit requirements

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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
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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