Low Down Payment FHA Loans
Buy your home with just 3.5% down and more flexible credit options.
These metrics are for example purposes only and are not factual. Interest rate and loan approval are subject to lender requirements.
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Benefits of FHA Loans
Low down payment 3.5%
Low credit score requirement
FHA-Insurability
"Common Misconceptions About FHA Loans"
Addressing myths and providing clarity.
FHA Loan FAQs
An FHA loan is a mortgage insured by the Federal Housing Administration that helps buyers with low to moderate income purchase a home with flexible qualification guidelines.
Typically 3.5% down if your credit score is 580 or above. Borrowers with lower credit may need to put down 10%.
Yes, both an upfront premium and monthly mortgage insurance are required to protect lenders in case of default.
Yes. FHA loans are designed for credit-challenged borrowers. Minimum scores start at 500 with compensating factors.
Loan limits vary by county and property size. Check HUD’s loan limit lookup or ask us for your local maximum.
Have more questions or ready to apply for your FHA loan?
Start Your ApplicationWhy We Chose an FHA Loan: Real Stories from Homeowners
"As a first-time buyer with a modest income, I was worried about affording a home. The FHA loan made it possible with its low down payment. I never thought I could own a home this soon!" - Jessica T.
"We wanted to buy a multi-family home to generate rental income. The FHA loan not only helped us with the down payment but also allowed us to invest in our future." - Mark and Lisa R.