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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.

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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 >
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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*
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 First-Time Buyer Friendly
Perfect for first-time homebuyers with educational resources and flexible qualification requirements
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 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 >
Understanding the FHA Loan Process: Step-by-Step Guide for First-Time Homebuyers
Understanding the FHA Loan Process: Step-by-Step Guide for First-Time Homebuyers

Buying your first home can feel like a maze—especially when you’re balancing a budget and learning the mortgage lingo....

date icon March 17, 2026
time icon 10 min read
Read Full Article
What is an FHA Loan?
What is an FHA Loan?

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 March 17, 2026
time icon 9 min read
Read Full Article
FHA Loan Requirements for 2026: What You Need to Qualify
FHA Loan Requirements for 2026: What You Need to Qualify

Trying to make sense of FHA loan requirements for 2026? You’re not alone.

date icon March 17, 2026
time icon 12 min read
Read Full Article
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Union Home Mortgage Corp.
Union Home Mortgage Corp. NMLS #2229, NMLS Consumer Access website

Privacy Policy
California Privacy Policy
California Consumer Privacy Act Request
Licensing Information
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
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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.
Union Home Mortgage Corp. NMLS #2229, NMLS Consumer Access website

Privacy Policy
California Privacy Policy
California Consumer Privacy Act Request
Licensing Information
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