Buying a condo requires the project to meet specific financial and structural standards set by the Department of Housing and Urban Development (HUD) .
Yes, you can buy a condo with an FHA loan as of April 2026, provided either the entire condominium community is or the individual unit qualifies for Single-Unit Approval . Paths to FHA Condo Approval
: The easiest path is choosing a unit in a community already on the HUD FHA Condo Database . These approvals must be recertified every three years.
: Since 2019, you can seek approval for a single unit in a non-approved complex. This requires your lender to review the association's financials, insurance, and governing documents. Key Requirements for Condo Projects
For a condo to be eligible, the community must typically meet these criteria: What Is an FHA-Approved Condo? - Freedom Mortgage