Get Your FHA Loan Approved Fast – As Low As 3.5% Down

Compare real FHA rates from top lenders. Soft credit check only. No obligation.

Trusted FHA loan guidance

Simple comparison tool

Fast and easy

See personalised FHA options

FHA loan requirements

Lowest standards for credit scores and down payments

Weather you are first time home buyer, moving to a new home, I want to refinance your existing conventional or FHA mortgage, the FHA loan program will let you purchase a home with a low down payment and flexible guidelines

Lowest standards for credit scores and down payments

Do FHA loan requirements apply to all borrowers?

Your FHA loan credit qualifications

More borrowing power with 2026 FHA limits

For 2026 the FHA floor was set at $541,287 for single-family home loans.the minimum landing amount covers most US countries.the FHA sailing represent the maximum loan amount and is illustrated in the table below

Also for 2026 the FHA celling was set at $1,249,125 for a single-family home loans. This represent the highest amount that a borrower can get through the FHA loan program. It applies to high cost areas in the United States and is illustrated in the table below.

More borrowing power with 2026 FHA limits

For 2026 the FHA floor was set at $541,287 for single-family home loans.the minimum landing amount covers most US countries.the FHA sailing represent the maximum loan amount and is illustrated in the table below

Today's FHA mortgage rate

Compare current FHA loan rate from top lenders

Estimate your FHA monthly payment

Understanding FHA loans

FHA loan requirements

Review the key criteria including credit score debit to income ratio and down payment needs for qualification

FHA versus conventional loan

Compare the difference in down payment mortgage insurance and interest rate to decide which loan is right for you

What is an FHA loan?

Learn about government packed mortgage program designed for low to moderate income borrowers with small down payments

FHA loan limits explained

Understand the maximum loan amount allowed in your country how they vary by region and property type

Personal Loans

FHA loan requirements

Personal Loans

FHA versus conventional loan

Personal Loans

What is an FHA loan?

Check your FHA eligibility in minutes

Frequently Asked Questions

What credit score do I need for an FHA loan?

A minimum credit score of five days typically required for maximum finances with 3.5% down payment scores between 505 79 maybe eligible with a 10% down payment lender may have their own additional requirementsLorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

What is the minimum downpayment?

What is FHA mortgage insurance?

Can I refinance with an FHA loan?

Today's FHA Mortgage Rates

Rates are updated daily. Compare options to find the best fit for your financial goals.

Last updated: April 10, 2026 09:00 AM EST

Estimate your FHA monthly payment

Use this our FHA loan calculator to see your estimated monthly payment, including mortgage insurance in Texas.

More borrowing power with 2026 FHA limits

For 2026 the FHA floor was set at $541,287 for single-family home loans. The minimum lending amount covers most US counties and is illustrated in the table below.

Also for 2026 the FHA ceiling was set at $1,248,125 for a single-family home loans. This represents the highest amount that a borrower can get through the FHA loan program in high cost areas.

Why Choose an FHA Loan?

Federal Housing Administration (FHA) loans are designed to make homeownership more accessible, especially for first-time buyers and those with less-than-perfect credit.

Low Down Payment

Qualify for an FHA loan with a down payment as low as 3.5% of the purchase price, keeping more savings in your pocket.

Lower Credit Scores Accepted

Even with a credit score of 580, you can qualify for maximum financing. Scores as low as 500 may qualify with a 10% down payment.

Streamlined Refinancing

Already have an FHA loan? Lower your rate quickly with an FHA Streamline Refinance, often requiring no appraisal or income verification.

Simple 3-Step Process

We've simplified the mortgage process so you can focus on finding your dream home, not drowning in paperwork.

Apply in Minutes

Fill out our quick, secure online form. We'll ask basic questions about your financial situation and the home you want to buy.

Get Approved

Compare personalized rates from top FHA-approved lenders. Choose the best offer and get your pre-approval letter instantly.

Close the Deal

Work with your dedicated loan officer to finalize the paperwork and get the keys to your new home faster than traditional loans.

"FHA Now made the process so incredibly easy. We were approved and closed on our first home in under 30 days!"

- Sarah & Michael T., Homeowners

Trusted by FHA Borrowers Nationwide

See how we've helped thousands of Americans achieve their dream of homeownership.

"I thought my 610 credit score meant I couldn't buy a home. FHANow connected me with a lender who got me approved in 2 days. We close next week!"

"The multi-step form was so easy to use. I saved $350 a month by refinancing my current FHA loan. Highly recommend this service."

"We only had 3.5% to put down. Thanks to this calculator, we knew exactly what we could afford before even talking to a realtor."

Frequently Asked Questions

What credit score do I need for an FHA loan?

A minimum credit score of 580 is typically required for maximum financing with a 3.5% down payment. Borrowers with scores between 500 and 579 may be eligible with a 10% down payment. Lenders may have their own additional overlays or requirements.

What is the minimum down payment?

A minimum credit score of 580 is typically required for maximum financing with a 3.5% down payment. Borrowers with scores between 500 and 579 may be eligible with a 10% down payment. Lenders may have their own additional overlays or requirements.

What is FHA mortgage insurance?

A minimum credit score of 580 is typically required for maximum financing with a 3.5% down payment. Borrowers with scores between 500 and 579 may be eligible with a 10% down payment. Lenders may have their own additional overlays or requirements.

Can I refinance with an FHA loan?

A minimum credit score of 580 is typically required for maximum financing with a 3.5% down payment. Borrowers with scores between 500 and 579 may be eligible with a 10% down payment. Lenders may have their own additional overlays or requirements.

Get Your FHA Loan Approved Fast – As Low As 3.5% Down

Compare real FHA rates from top lenders. Soft credit check only. No obligation.

Trusted FHA loan guidance

Simple comparison tool

Fast and easy

See personalised FHA options

FHA loan requirements

Lowest standards for credit scores and down payments

Weather you are first time home buyer, moving to a new home, I want to refinance your existing conventional or FHA mortgage, the FHA loan program will let you purchase a home with a low down payment and flexible guidelines

Lowest standards for credit scores and down payments

Do FHA loan requirements apply to all borrowers?

Your FHA loan credit qualifications

More borrowing power with 2026 FHA limits

For 2026 the FHA floor was set at $541,287 for single-family home loans.the minimum landing amount covers most US countries.the FHA sailing represent the maximum loan amount and is illustrated in the table below

Also for 2026 the FHA celling was set at $1,249,125 for a single-family home loans. This represent the highest amount that a borrower can get through the FHA loan program. It applies to high cost areas in the United States and is illustrated in the table below.

More borrowing power with 2026 FHA limits

For 2026 the FHA floor was set at $541,287 for single-family home loans.the minimum landing amount covers most US countries.the FHA sailing represent the maximum loan amount and is illustrated in the table below

Today's FHA mortgage rate

Compare current FHA loan rate from top lenders

Estimate your FHA monthly payment

Accurate and up-to-date FHA rate data

Transparent lender comparisons

No hidden fees or obligations

Simple to use to estimate your payments

Understanding FHA loans

FHA loan requirements

Review the key criteria including credit score debit to income ratio and down payment needs for qualification

FHA versus conventional loan

Compare the difference in down payment mortgage insurance and interest rate to decide which loan is right for you

What is an FHA loan?

Learn about government packed mortgage program designed for low to moderate income borrowers with small down payments

FHA loan limits explained

Understand the maximum loan amount allowed in your country how they vary by region and property type

FHA loan requirements

FHA versus conventional loan

What is an FHA loan?

Check your FHA eligibility in minutes

Frequently Asked Questions

Today's FHA Mortgage Rates

Rates are updated daily. Compare options to find the best fit for your financial goals.

Last updated: April 10, 2026 09:00 AM EST

Estimate your FHA monthly payment

Use this our FHA loan calculator to see your estimated monthly payment, including mortgage insurance in Texas.

More borrowing power with 2026 FHA limits

For 2026 the FHA floor was set at $541,287 for single-family home loans. The minimum lending amount covers most US counties and is illustrated in the table below.

Also for 2026 the FHA ceiling was set at $1,248,125 for a single-family home loans. This represents the highest amount that a borrower can get through the FHA loan program in high cost areas.

Why Choose an FHA Loan?

Federal Housing Administration (FHA) loans are designed to make homeownership more accessible, especially for first-time buyers and those with less-than-perfect credit.

Low Down Payment

Qualify for an FHA loan with a down payment as low as 3.5% of the purchase price, keeping more savings in your pocket.

Lower Credit Scores Accepted

Even with a credit score of 580, you can qualify for maximum financing. Scores as low as 500 may qualify with a 10% down payment.

Streamlined Refinancing

Already have an FHA loan? Lower your rate quickly with an FHA Streamline Refinance, often requiring no appraisal or income verification.

Simple 3-Step Process

We've simplified the mortgage process so you can focus on finding your dream home, not drowning in paperwork.

Apply in Minutes

Get Approved

Close the Deal

"FHA Now made the process so incredibly easy. We were approved and closed on our first home in under 30 days!"

- Sarah & Michael T., Homeowners

Trusted by FHA Borrowers Nationwide

See how we've helped thousands of Americans achieve their dream of homeownership.

"I thought my 610 credit score meant I couldn't buy a home. FHANow connected me with a lender who got me approved in 2 days. We close next week!"

Michael R.

"The multi-step form was so easy to use. I saved $350 a month by refinancing my current FHA loan. Highly recommend this service."

Sarah T.

"We only had 3.5% to put down. Thanks to this calculator, we knew exactly what we could afford before even talking to a realtor."

James & Lisa M.

Frequently Asked Questions

A minimum credit score of 580 is typically required for maximum financing with a 3.5% down payment. Borrowers with scores between 500 and 579 may be eligible with a 10% down payment. Lenders may have their own additional overlays or requirements.

A minimum credit score of 580 is typically required for maximum financing with a 3.5% down payment. Borrowers with scores between 500 and 579 may be eligible with a 10% down payment. Lenders may have their own additional overlays or requirements.

A minimum credit score of 580 is typically required for maximum financing with a 3.5% down payment. Borrowers with scores between 500 and 579 may be eligible with a 10% down payment. Lenders may have their own additional overlays or requirements.

A minimum credit score of 580 is typically required for maximum financing with a 3.5% down payment. Borrowers with scores between 500 and 579 may be eligible with a 10% down payment. Lenders may have their own additional overlays or requirements.