FHA

An FHA-insured option for eligible primary-residence buyers.

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How it works

FHA loan overview

FHA insurance supports mortgages made by approved lenders. The program can allow a lower down payment and more flexible credit review than some conventional options.

Who may want to explore it

Buyers who need to compare a lower down payment with total mortgage insurance costs.

Features to review

Eligible borrowers may qualify with as little as 3.5% down.
Gift funds may be possible under program rules.
The home must meet FHA property standards.

Before you decide

Upfront and ongoing FHA mortgage insurance affect cost.
Loan limits and approval depend on the county, property, borrower, and lender.

Compare the whole cost.

Ask for a personalized estimate with the rate, APR, monthly payment, cash to close, and program-specific fees. Terms and approval depend on your loan and lender review.

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