FHA loans: 2026 requirements, limits, and loan types

For nearly 100 years, the Federal Housing Administration has helped families achieve the goal of homeownership. Some 50 million loans insured by the FHA have been issued by approved FHA lenders tailored to stimulate homeownership, particularly for first-time home buyers and low-to-moderate-income households. What is an FHA loan? An FHA home loan is a mortgage insured by the Federal Housing Administration. The FHA is a primarily self-funded division of the Department of Housing and Urban Development. It ...