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]

Mortgages insured by the U.S. Department of Agriculture, also known as USDA loans, cater to prospective homeowners looking for a small-town lifestyle. It is the only government-backed loan that seeks to develop safe rural communities for families of modest means. Here are our top picks for USDA lenders in October 2025. The best USDA mortgage lenders of October 2025 Best USDA lender for low interest rates: Pennymac Why Pennymac mortgages stand out: Pennymac is the largest U.S. lender of USDA loans and ...