Achieve your dream of homeownership with as little as 3.5% down. FHA loans offer flexible credit requirements and government backing, making them perfect for first-time homebuyers.
FHA loans are mortgages insured by the Federal Housing Administration, designed to make homeownership more accessible. These government-backed loans offer lower down payments, flexible credit requirements, and are especially beneficial for first-time homebuyers.
As little as 3.5% down payment required
Credit scores as low as 580 may qualify
Insured by the Federal Housing Administration
Get personalized FHA loan options with no impact to your credit score.
Check My EligibilityFHA loans have more flexible requirements than conventional loans, making homeownership accessible to more people.
*Subject to AUS Approval
Down payment can come entirely from gift funds from family members.
FHA loan limits vary by area. Here are the current 2026 FHA loan limits by area type.
See how FHA loans compare to conventional mortgages and why they might be the perfect choice for your homebuying journey.
FHA: 3.5% minimum vs. Conventional: 3-20% required. Keep more money in your pocket for moving costs and improvements.
FHA accepts credit scores as low as 580, while conventional loans typically require 620+. Better access for first-time buyers.
100% of down payment can come from family gifts with FHA loans. Conventional loans have stricter gift fund requirements.
FHA loans can be assumed by qualified buyers when you sell, potentially making your home more attractive to buyers.
FHA offers streamline refinancing with reduced documentation and no appraisal required in many cases.
FHA insurance protects lenders, allowing them to offer more flexible terms and better access to homeownership.
Get answers to the most common questions about FHA loans
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