Help Buying a New Home

FHA Loans and HUD Homes

If you’re a homebuyer, the Department of Housing and Urban Development (HUD) has two programs that may help make the process more affordable.

Open All +

The Federal Housing Administration (FHA) manages the FHA loans program. This may be a good mortgage choice if you’re a first-time buyer because the requirements are not as strict as for other loans. The down payment and closing costs are low.
Am I eligible?
- You must qualify for a loan with an FHA-approved lender. In general, your credit score doesn't need to be high.
- The price of the home you want to insure must be within the loan limit for an FHA home in its location.
How Do I Apply?
The FHA doesn't lend money to people. It insures mortgage loans from FHA-approved lenders against default. To apply for an FHA-insured loan, you will need to use an FHA-approved lender. Search for an FHA-approved lender here.
- Find FHA loan products for manufactured (mobile) homes.
- Learn more about FHA loans.
How do I complain?
If you have a complaint about an FHA loan program, contact the FHA Resource Center.
When homeowners default on their FHA loan, HUD takes ownership of the property, because HUD oversees the FHA loan program. These properties are called either HUD homes or HUD real estate owned (REO) property.
Am I eligible?
Your qualifications to buy a HUD home depend on your credit score, ability to get a mortgage, and the amount of your cash down payment. You can also use an FHA-insured mortgage to buy a HUD home.
How do I apply?
Use the HUDHomestore to find listings of HUD real estate owned (REO) properties for sale. Click on the agent tab to find contact information to learn more about the property.
Where do I call for extra help?
If you have a question or need more information about FHA loans or HUD homes, you can:
- Check their list of frequently asked questions
- Email or call the FHA Resource Center

Mar	APR	May
	17
2020	2021	2022

Help Buying a New Home

On This Page

Programs to Help You Pay for a Home

FHA Loans and HUD Homes

Am I eligible?

How Do I Apply?

How do I complain?

Am I eligible?

How do I apply?

Where do I call for extra help?

Homeowner Voucher Program

Do you have a question?

FHA Loans for First-Time Homebuyers

Homeownership Vouchers

Indian Home Loan Guarantee Program

Programs for Service Members and Veterans

Programs for Rural Residents

State Programs

Foreclosure Properties

FHA Loans

HUD Homes

Am I eligible?

How Do I Apply?

How Do I Complain?

Is There Anything Else I Need to Know?

Do you have a question?