Real EstateOfficial source

FHA Home Loans (HUD)

3.5% downWith qualifying credit · FHA-approved lenders

FHA-insured mortgages allow lower down payments and more flexible credit requirements for primary residences, including 2–4 unit properties.

Who it's for

First-time and repeat buyers who want a lower down payment and more flexible credit requirements.

General eligibility

  • Home is your primary residence (1–4 units allowed)
  • Steady employment and income history
  • Property meets FHA appraisal standards

What you'll typically need

  • 3.5% down with a credit score of 580+ (10% down for 500–579)
  • Mortgage insurance premiums (upfront + annual)
  • Debt-to-income within program limits

Program information summarized from the agency's public materials. Not an offer of credit, a guarantee of eligibility, or an endorsement by the agency. Requirements change over time — always confirm current details with the agency or a licensed professional.