FHA贷款限额政策 - 2025年FHA贷款限额根据地区成本差异划分 低成本地区单户住宅限额为524,225美元（全国合规贷款限额806,500美元的65%）[4][5] - 高成本地区单户住宅限额为1,209,750美元（全国合规贷款限额的150%）[4][5] - 限额标准按物业类型分级 四单元物业限额高于单户住宅[2] FHA与传统贷款对比 - FHA贷款限额普遍低于合规贷款限额 单户住宅限额相差282,275美元[6] - 传统合规贷款允许最低3%首付 与FHA贷款最低首付比例持平[7][9] - FHA贷款无需收入上限要求 但需满足债务收入比低于43%的标准[7][11] FHA贷款资格要求 - 信用评分580分以上可获3.5%最低首付优惠 500-580分需10%首付[7] - 贷款审批综合考虑债务收入比 生活开支 资产状况和房产价值[10] - 强制要求支付1.75%前期抵押贷款保险费 及按贷款期限与价值比计算的年度保险费[9][12] 替代贷款方案 - VA贷款与USDA贷款提供零首付方案[9] - 信用评分达620分以上时可优先考虑传统贷款方案[8] - FHA贷款需进行专项房产评估 必须满足最低财产标准[12]

Since its creation in 1934, the Federal Housing Administration (FHA) has insured home loans so lenders are financially protected should you default on your mortgage payments. This makes it more attractive for lenders to issue mortgages — especially to first-time home buyers and low-to-moderate-income households, making homeownership possible for borrowers who may not otherwise qualify for a loan. Potential borrowers must understand these requirements to increase their chances of being approved for an FHA m ...

FHA loans have helped thousands of families buy their first home. With less stringent credit score requirements, lower down payments, and flexible debt-to-income ratios, they serve as a stepping stone to homeownership. Here are the best FHA loan lenders right now. Read more: Is now a good time to take out an FHA loan? The best FHA lenders of October 2025 Best overall: PNC Bank Why PNC Bank mortgages stand out: PNC Bank offers qualified buyers grants of $10,000 or more, and excels in customer satisfac ...