FHA loans have been helping people become homeowners since 1934. How do we do it? The Federal Housing Administration (FHA) – which is part of HUD – insures the loan, so your lender can offer you a better deal.

  • Low down payments
  • Low closing costs
  • Easy credit qualifying

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mortgageWhat does FHA have for you?

Buying your first home?
FHA might be just what you need. Your down payment can be as low as 3.5% of the purchase price. Available on 1-4 unit properties.

Financial help for seniors
Are you 62 or older? Do you live in your home? Do you own it outright or have a low loan balance? If you can answer “yes” to all of these questions, then the FHA Reverse Mortgage might be right for you. It lets you convert a portion of your equity into cash.

Want to make your home more energy efficient?
You can include the costs of energy improvements into an FHA Energy-Efficient Mortgage.

How about manufactured housing and mobile homes?
Yes, FHA has financing for mobile homes and factory-built housing. We have two loan products – one for those who own the land that the home is on and another for mobile homes that are – or will be – located in mobile home parks.

Ask an FHA lender to tell you more about FHA loan products.
Find an FHA lender

Need advice? Contact a HUD-approved housing counselor or call
(800) 569-4287

Need help with your downpayment? State and local governments offer programs that can help. Find a program near you.

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Thinking about buying a home? We have information that can help! Got questions? Talk to one of our housing counselors!

Need Help?

1. Figure out how much you can afford

What you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate.

  • Home Economics
  • Homebuying programs in your state
  • Talk to a HUD-approved housing counseling agency

2. Know your rights

3. Shop for a loan

4. Learn about homebuying programs

  • Homebuying programs in your state
  • Let FHA help you ( loan programs offer lower downpayments and are a good option for first-time homebuyers!)
  • HUD’s special homebuying programs
    • Good Neighbor Next Door¬†(formerly known as Teacher/Officer/Firefighter Next Door)
    • Homeownership for public housing residents
    • Indian Home Loan Guarantee Program¬†(Section 184)

5. Shop for a home

  • Wish list¬†– what features do you want?
  • Home-shopping checklist? take this list with you when comparing homes
  • Homes for sale¬†(including HUD homes)
  • “Fixer-Uppers – home purchase and repair programs
  • Manufactured (mobile) homes
  • Shopping for a Home FAQ‚Äôs

6. Make an offer

7. Get a home inspection

  • For Your Protection Get a Home Inspection

8. Shop for homeowners insurance

9. Sign papers¬†You’re finally ready to go to “settlement” or “closing.” Be sure to read everything before you sign!