FHA Loan
A mortgage insured by the Federal Housing Administration, allowing lower down payments and credit scores.
A mortgage insured by the Federal Housing Administration, allowing lower down payments and credit scores.
FHA loans let buyers put down as little as 3.5% with flexible credit, in exchange for mortgage-insurance premiums. For 2026 the limits run from a floor of $541,287 to a ceiling of $1,249,125 by county. They are popular with first-time buyers.
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