Fha House: Loan

An is a government-backed mortgage insured by the Federal Housing Administration (FHA) . Because the government insures these loans, lenders often offer more flexible credit and down payment requirements than conventional mortgages. 1. Key Eligibility Requirements (2026) Credit Score & Down Payment :

: Lenders typically prefer a DTI of 43% or lower , though some may allow up to 50% depending on your overall financial strength. fha house loan

: The home must be your main home; it cannot be an investment property or a vacation home. FHA Loan Requirements in 2026 An is a government-backed mortgage insured by the

: There is no minimum income, but you must prove steady employment and consistent income for at least the past two years. Key Eligibility Requirements (2026) Credit Score & Down

: You may still qualify but will likely need a 10% down payment.

: You can qualify with a down payment as low as 3.5% .