Archive notice: This page previously displayed an FHA loan checklist. We have withdrawn its former numerical eligibility statements. Do not use that old list to decide whether you qualify for a purchase, refinance, or cash-out loan.
FHA mortgage eligibility depends on the loan purpose, property, location, borrower information, current FHA rules, and lender underwriting. A fixed loan-limit figure, credit-score threshold, or debt-ratio claim cannot determine approval for every applicant. FHA cash-out and streamline refinancing also have different requirements. This archive is not a current rate sheet, program guide, or offer of credit.
Find current FHA mortgage information
Start with our FHA mortgage options for a current overview. Our FHA debt-to-income and compensating factors guide explains why ratio review depends on the file. You can also contact NorthStar Funding to discuss your property, loan purpose, and documentation.
For official program materials, see HUD’s current Single Family Housing Policy Handbook and HUD’s county loan-limit lookup. FHA rules and lender requirements should be reviewed for the particular case before relying on any estimate.