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Federal Housing Administration

At the Federal Housing Administration (FHA), we provide mortgage insurance on loans made by FHA-approved lenders. In fact, we're one of the largest mortgage insurers in the world. Since 1934, we've helped millions of families become homeowners. Today, we insure mortgages for single family, multifamily, and residential care facilities nationwide.

 

 

 

 


 

 

Latest News

 

 

Press Release

 

Calendar Year 2022 Single Family Title II Forward and Home Equity Conversion Mortgage Loan Limits

The FHA Single Family Calendar Year 2022 Title II forward mortgage minimum national loan limit "floor" will increase to $420,680 and the maximum loan limit "ceiling" for high-cost areas will increase to $970,800. The FHA-insured Home Equity Conversion Mortgage maximum claim amount will increase to $970,800 for Calendar Year 2022.




December 1, 2021
 

 

Press Release

 

Our Fiscal Year 2021 Annual Report to Congress on the Mutual Mortgage Insurance Fund

In addition to our emphasis on relief options for homeowners financially impacted by the COVID-19 pandemic, in fiscal year 2021 FHA continued to deliver on its mission of enabling homeownership for first-time and low- and moderate-income borrowers, and households of color. Find out more in our fiscal year 2021 Annual Report to Congress covering FHA Single Family programs. 



November 15, 2021
 

 

 

 

 

Press Release 

 

Revised Title I Policies Promote Financing of Manufactured Homes and Property Improvements

Our revised and enhanced Title I polocies make it easier for lenders to provide loans for the financing of manufactured homes, including those titled as personal property, and loans for property improvements.

 

 

October 26, 2021

 

 

 

Policy

 

 

Latest Single Family Handbook Update Promotes Greater Access to Affordable Mortgage Credit

Our latest Single Family Handbook update promotes greater access to affordable mortgage credit with increased "stretch" ratios for energy efficient manufactured homes, new calculations of income from housing vouchers, and more.


October 26, 2021

 

 

 

Press Release

 

 

Additional COVID-19 Forbearance Relief Options for Single Family Borrowers

For borrowers recently or newly struggling to make their mortgage payments because of the pandemic, and for senior homeowners with Home Equity Conversation Mortgages (HECMs), we have instituted new and extended forbearance periods and HECM Extensions.



September 27, 2021

 

 

 

 

 


 

Business Resources

From housing to healthcare facilities, our business resources can help FHA insurance program participants stay informed. Review our guides, policy updates, and other tools to get the information you need and better serve your customers. Access special COVID-19 guidance for all FHA and Office of Housing Program Participants.
 

Stay up to date on the latest FHA and Office of Housing program information by subscribing to our email updates.

 

 

 

 

 

 


 

Consumer Resources

Our consumer resources support homeowners, homebuyers, and renters. Use these tools to get answers to your questions, understand your options, and make better housing decisions.

 

 

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Phone: (800) 225-5342

TTY: (800) 877-8339

 

 

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FHA Supports Fair Housing and Equal Opportunity

HUD is committed to enforcing the Fair Housing Act and to ensuring that people are not discriminated against when they seek housing or housing-related services. If you need assistance in determining your rights under the Fair Housing Act or applicable laws, or believe you have been a victim of housing discrimination and need assistance, we encourage you to review the information on HUD's Office of Fair Housing and Equal Opportunity webpage.