--- title: FHA Home Page --- [![FHA Home ](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/FHAhomes.com.svg)](https://fhahomes.com/?hsLang=en) - [ Loan Requirements ](https://fhahomes.com/loan-requirements?hsLang=en) - Calculators - [Refinance Calculator](https://fhahomes.com/refinance-calculator?hsLang=en) - [Mortgage Calculator](https://fhahomes.com/mortgage-calculator?hsLang=en) - [Cash Out Calculator](https://fhahomes.com/cash-out?hsLang=en) - FHA Resources - ![phone logo ](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/Phone_light.svg) 1-877-451-9788 [Get Started](https://fhahomes.com/multi-step?hsLang=en) [Get Started](https://fhahomes.com/multi-step?hsLang=en) - [ Loan Requirements ](https://fhahomes.com/loan-requirements?hsLang=en) - Calculators - [Mortgage Calculator](https://fhahomes.com/mortgage-calculator?hsLang=en) - [Refinance Calculator](https://fhahomes.com/refinance-calculator?hsLang=en) - [Cash Out Calculator](https://fhahomes.com/cash-out?hsLang=en) - [FHA Resources](https://fhahomes.com/fha-resources?hsLang=en) - [![phone logo ](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/Phone_light.svg)1-877-451-9788](tel:1-877-451-9788) [![FHA Home ](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/FHAhomes.com.svg)](https://fhahomes.com/?hsLang=en) [Loan Requirements](https://fhahomes.com/loan-requirements?hsLang=en) Calculators![arrow down](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/keyboard_arrow_down.svg) - [Mortgage Calculator](https://fhahomes.com/mortgage-calculator?hsLang=en) - [Refinance Calculator](https://fhahomes.com/refinance-calculator?hsLang=en) - [Cash Out Calculator](https://fhahomes.com/cash-out?hsLang=en) [ FHA Resources](https://fhahomes.com/fha-resources?hsLang=en) [![phone logo ](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/Phone_light.svg) 1-877-451-9788](https://fhahomes.com/1-877-451-9788?hsLang=en) ** [Get Started](https://fhahomes.com/multi-step?hsLang=en) ![Frame 30 (1)](https://fhahomes.com/hubfs/Frame%2030%20(1).svg "Frame 30 (1)") ## Low Down Payment ## Home Financing Get approved for an FHA loan with as little as 3.5% down. Perfect for first-time homebuyers and those with credit as low as 500*. Available nationwide with flexible requirements. [Check the loan limits by area   >](https://fhahomes.com/loan-requirements#loanLimits) Powered by Union Home Mortgage Corp. NMLS #2229, [NMLS Consumer Access website](https://www.nmlsconsumeraccess.org/) ### [![House Icon](https://fhahomes.com/hubfs/Frame%2031.svg) Purchase a Home Get Started](https://fhahomes.com/multi-step?hsLang=en) ### [![Refinance Icon](https://fhahomes.com/hubfs/Refinance%20Icon.svg) Refinance Your Home Get Started](https://fhahomes.com/multi-step?hsLang=en) ### [![Frame 32 (1)](https://fhahomes.com/hubfs/Frame%2032%20(1).svg) Get Cash Out of Your Home Get Started](https://fhahomes.com/multi-step?hsLang=en) ![Frame 29](https://fhahomes.com/hubfs/Frame%2029.svg "Frame 29") ## Why Choose an FHA Loan? FHA loans are backed by the Federal Housing Administration, making home ownership more accessible for millions of Americans with flexible requirements and competitive rates. [View Loan Requirements > ](https://fhahomes.com/loan-requirements?hsLang=en) ![Frame 14](https://fhahomes.com/hubfs/Frame%2014.svg) **Low Down Payment Options** Put down as little as 3.5% with a credit score of 580 or higher. Even with lower credit scores, you may qualify with 10% down* ![Frame 17 (1)](https://fhahomes.com/hubfs/Frame%2017%20(1).svg)  **First-Time Buyer Friendly** Perfect for first-time homebuyers with educational resources and flexible qualification requirements ![Frame 17 (2)](https://fhahomes.com/hubfs/Frame%2017%20(2).svg)  **Multiple Refinancing Options** Streamline refinancing for existing FHA borrowers, plus cash-out refinancing to access your home's equity ## Featured FHA Resources Learn more about an FHA loan and why it might be right for you. [View All FHA Resources > ](https://fhahomes-com.sandbox.hs-sites.com/fha-resources?hsLang=en) [![Understanding the FHA Loan Process: Step-by-Step Guide for First-Time Homebuyers](https://fhahomes.com/hubfs/FHA%20Loan%20Process%20Header%20Image.jpg) ](https://fhahomes.com/fha-resources/understanding-the-fha-loan-process-step-by-step-guide-for-first-time-homebuyers?hsLang=en) [Understanding the FHA Loan Process: Step-by-Step Guide for First-Time Homebuyers](https://fhahomes.com/fha-resources/understanding-the-fha-loan-process-step-by-step-guide-for-first-time-homebuyers?hsLang=en) Buying your first home can feel like a maze—especially when you’re balancing a budget and learning the mortgage lingo.... ![date icon](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/data-icon.svg) March 17, 2026 ![time icon](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/read-time-icon.svg) 10 min read [Read Full Article](https://fhahomes.com/fha-resources/understanding-the-fha-loan-process-step-by-step-guide-for-first-time-homebuyers?hsLang=en) [![What is an FHA Loan?](https://fhahomes.com/hubfs/What%20is%20an%20FHA%20Loan%20Header%20Image%20(2).jpg) ](https://fhahomes.com/fha-resources/what-is-an-fha-loan?hsLang=en) [What is an FHA Loan?](https://fhahomes.com/fha-resources/what-is-an-fha-loan?hsLang=en) Have you heard someone say, “You should look into an FHA loan,” and wondered, what is an FHA loan—and is it right for me?  ![date icon](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/data-icon.svg) March 17, 2026 ![time icon](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/read-time-icon.svg) 9 min read [Read Full Article](https://fhahomes.com/fha-resources/what-is-an-fha-loan?hsLang=en) [![FHA Loan Requirements for 2026: What You Need to Qualify](https://fhahomes.com/hubfs/FHA%20Loan%20Requirements%20Header%20Image.jpg) ](https://fhahomes.com/fha-resources/fha-loan-requirements-for-2026-what-you-need-to-qualify?hsLang=en) [FHA Loan Requirements for 2026: What You Need to Qualify](https://fhahomes.com/fha-resources/fha-loan-requirements-for-2026-what-you-need-to-qualify?hsLang=en) Trying to make sense of FHA loan requirements for 2026? You’re not alone. ![date icon](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/data-icon.svg) March 17, 2026 ![time icon](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/read-time-icon.svg) 12 min read [Read Full Article](https://fhahomes.com/fha-resources/fha-loan-requirements-for-2026-what-you-need-to-qualify?hsLang=en) ![Frame 191](https://fhahomes.com/hubfs/Frame%20191.svg "Frame 191") 8000+ 5-star Reviews! We take pride in delivering exceptional solutions that deliver great results, but don't just take our word for it. ## Ready to Get Started? Take the first step toward homeownership with an FHA loan. Our experienced loan officers are here to guide you through the process and answer all your questions. [Get Started ](https://fhahomes.com/multi-step?hsLang=en) [Talk to a Loan Officer ](tel:+18874519788) ![FHA Home Loans](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/FHAhomesWhite.svg "FHA Home Loans Logo") ##### Your trusted partner for FHA loan financing. Helping families achieve homeownership with low down payments and flexible credit requirements Powered by ![Union Home Mortgage Corp.](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/UHM-Block-Logo.svg "Union Home Mortgage Corp.") Union Home Mortgage Corp. NMLS #2229, [NMLS Consumer Access website](https://www.nmlsconsumeraccess.org/) [Privacy Policy](https://www.uhm.com/privacy-policy/) [California Privacy Policy](https://www.uhm.com/california-privacy-policy/) [California Consumer Privacy Act Request](https://www.uhm.com/california-consumer-privacy-act-request/) [Licensing Information](https://www.uhm.com/licensing-information/) - ### Quick Links - ### Resources - ### Contact Us ![equal housing logo](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/equal-housing.png "equal housing logo") We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin. Union Home Mortgage is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. These materials are not from HUD or FHA and were not approved by HUD or a government agency. Loans made or arranged pursuant to a California Finance Lenders Law license. This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site. *500 credit score is still subject to AUS approval. Agency terms and conditions may apply. This credit score is not eligible for Construction to Permanent or Renovation loans. 3.5% down payment example for a 30-year fixed-rate FHA loan: Total sales price $300,000, down payment $10,500, loan amount $289,500, interest rate 6.5%, Annual Percentage Rate (APR) 6.719%, final principal and interest payment $1,829.84. 10% down payment example for a 15-year fixed-rate FHA loan: Total sales price $300,000, down payment $30,000, loan amount $270,000, interest rate 6.5%, Annual Percentage Rate (APR) 6.774%, final principal and interest payment $2,353.80. Borrowers with lower credit scores may still qualify for an FHA loan; in some cases, a minimum down payment of 10% may be required based on credit qualifications. Taxes, insurance, and mortgage insurance will be part of the total mortgage payment but are not included in this example. This example is for illustrative purposes only and may differ from the current interest rate offered. Call for the current rate and full disclosure of current terms. Copyright © Union Home Mortgage Corp. 2026 // 8241 Dow Circle West, Strongsville, Ohio 44136 [** Back to Top ](https://fhahomes.com#top) Quick Links![arrow down](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/keyboard_arrow_down.svg) - [FHA Loan Requirements](https://fhahomes.com/loan-requirements) - [Loan Limits by Area](https://fhahomes.com/loan-requirements#loanLimitsMobile) Resources ![arrow down](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/keyboard_arrow_down.svg) - [Mortgage Calculator](https://fhahomes.com/mortgage-calculator) - [Refinance Calculator](https://fhahomes.com/refinance-calculator) - [Cash Out Calculator](https://fhahomes.com/cash-out) - [FHA Resources](https://fhahomes.com/fha-Resources) Contact Us![arrow down](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/keyboard_arrow_down.svg) - [1-877-451-9788](tel:1-877-451-9788) - **Monday to Friday**          8 am - 7 pm EST **Saturday and Sunday** 10 am - 2 pm EST ![FHA Home Loans](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/FHAhomesWhite.svg "FHA Home Loans Logo") Your trusted partner for FHA loan financing. Helping families achieve homeownership with low down payments and flexible credit requirements Powered by ![Union Home Mortgage Corp.](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/UHM-Block-Logo.svg "Union Home Mortgage Corp.") Union Home Mortgage Corp. NMLS #2229, [NMLS Consumer Access website](https://www.nmlsconsumeraccess.org/) [Privacy Policy](https://www.uhm.com/privacy-policy/) [California Privacy Policy](https://www.uhm.com/california-privacy-policy/) [California Consumer Privacy Act Request](https://www.uhm.com/california-consumer-privacy-act-request/) [Licensing Information](https://www.uhm.com/licensing-information/) ![equal housing logo](https://fhahomes.com/hubfs/raw_assets/public/FhaHomeLoans/images/equal-housing.png "equal housing logo") We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin. Union Home Mortgage is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. These materials are not from HUD or FHA and were not approved by HUD or a government agency. Loans made or arranged pursuant to a California Finance Lenders Law license. This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site. *500 credit score is still subject to AUS approval. Agency terms and conditions may apply. This credit score is not eligible for Construction to Permanent or Renovation loans. 3.5% down payment example for a 30-year fixed-rate FHA loan: Total sales price $300,000, down payment $10,500, loan amount $289,500, interest rate 6.5%, Annual Percentage Rate (APR) 6.719%, final principal and interest payment $1,829.84. 10% down payment example for a 15-year fixed-rate FHA loan: Total sales price $300,000, down payment $30,000, loan amount $270,000, interest rate 6.5%, Annual Percentage Rate (APR) 6.774%, final principal and interest payment $2,353.80. Borrowers with lower credit scores may still qualify for an FHA loan; in some cases, a minimum down payment of 10% may be required based on credit qualifications. Taxes, insurance, and mortgage insurance will be part of the total mortgage payment but are not included in this example. This example is for illustrative purposes only and may differ from the current interest rate offered. Call for the current rate and full disclosure of current terms. Copyright © Union Home Mortgage Corp. 2026 // 8241 Dow Circle West, Strongsville, Ohio 44136 [** Back to Top ](https://fhahomes.com#top)