FHA loans explained: 3.5% down with a 580+ score, gift funds, mortgage insurance, property standards, and refinance options.
FHA Loans
FHA loans explained: 3.5% down with a 580+ score, gift funds, mortgage insurance, property standards, and refinance options.
A smaller down payment. A very real set of tradeoffs.
Does FHA match your shape?
The FHA cost garden.
FHA from file to front door.
FHA or conventional?
FHA questions, answered straight.
Let’s see whether FHA helps—or merely sounds easier.
Programs
The FHA buyer playbook
FHA can open the door when credit is still growing or monthly debts are snug. We’ll price the mortgage insurance, property rules, and alternatives—not just celebrate 3.5% down.
Tap the signals that fit. This is a conversation starter, not a qualification result.
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Three numbers grow together: down payment, closing costs, and mortgage insurance.
Example figures are illustrative and for education — your numbers depend on price, program, county, and negotiation.
The familiar buying path, with two FHA-specific checkpoints.
The answer changes with score, debt ratio, price, and how long you expect to keep the loan.
Simplified for orientation — details like loan limits (we stay within conforming and FHA limits), DTI ceilings, and rates get worked through together.
Including the mortgage-insurance and appraisal parts the cheerful brochures skip.
We’ll compare FHA and conventional with the same home price and honest full-payment math.
Guidance for every chapter — education first, jargon never. We’d rather teach you the math than talk you into a payment.
Explore
Talk to us
Mon–Sat · 8a–6p CT
Equal Housing Opportunity.
This is not a commitment to lend. Program details, rates, and payment figures are illustrative, change often, and depend on your full application.
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- setMenuOpen(!menuOpen)} aria-expanded= aria-label= className="rounded-full p-2.5 text-[#26326E] transition-colors hover:bg-[#e8eef8] md:hidden"> The FHA buyer playbook A smaller down payment. A very real set of tradeoffs. FHA can open the door when credit is still growing or monthly debts are snug. We’ll price the mortgage insurance, property rules, and alternatives—not just celebrate 3.5% down. Does FHA match your shape? Tap the signals that fit. This is a conversation starter, not a qualification result. / 6 Turn it into a plan The FHA cost garden. Three numbers grow together: down payment, closing costs, and mortgage insurance. Example figures are illustrative and for education — your numbers depend on price, program, county, and negotiation. FHA from file to front door. The familiar buying path, with two FHA-specific checkpoints. FHA or conventional? The answer changes with score, debt ratio, price, and how long you expect to keep the loan. Comparison of mortgage programs for FHA borrowers Program Min. down Credit starting point Mortgage insurance Shines when… Simplified for orientation — details like loan limits (we stay within conforming and FHA limits), DTI ceilings, and rates get worked through together. FHA questions, answered straight. Including the mortgage-insurance and appraisal parts the cheerful brochures skip. Let’s see whether FHA helps—or merely sounds easier. We’ll compare FHA and conventional with the same home price and honest full-payment math. Start my free plan Compare conventional · Guidance for every chapter — education first, jargon never. We’d rather teach you the math than talk you into a payment. {socialEntries.length ? ( {socialEntries.map((s) => (
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