FHA Eligibility Essentials Loan Requirements Your complete guide to FHA loan requirements, limits, and benefits. Discover flexible financing options designed to make homeownership accessible
FHA Loan Programs Highlights
Available for purchase, refinance, and construction.
Minimum Down Payment 3.5% One of the lowest down payment options.
Credit Score As low as 500* Qualifying credit scores for eligible borrowers.
Income Limits None No maximum income restrictions
Mortgage Insurance Premiums (MIP) Required MIP protects lenders and enables low down payments
Loan Terms 15 or 30-years Fixed-rate options for stability and predictability.
Loan Types Multi-Purpose Purchase, refinance, and construction options.
Eligible Property Types
FHA loans can be used for a variety of residential properties.
1 to 4-Unit Properties
Single-family homes, duplexes, triplexes, and fourplexes are all eligible for FHA financing
FHA-Approved Condominiums
Condos that meet FHA approval requirements and are on the approved list
Townhomes
Attached townhouses that meet FHA property standards and requirements
Manufactured Housing
Permanently affixed manufactured homes on a permanent foundation
FHA Loan Amounts Limits
Maximum loan amounts vary by location and property type. Minimum Loan Amount: $35,000
Maximum Loan Amounts by Region
Ready to Get Started?
Take the first step toward homeownership with an FHA loan. Our experience loan officers are here to guide you through the process and answer all your questions.
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