FHA Loan Rates for Feb 10, 2026
FHA loans allow as little as 3.5% down. Compare FHA loan rates in the table below. Want a personalized quote? See if you qualify with a licensed broker.
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About FHA loans
FHA loans are government-backed mortgages that make homeownership accessible with just 3.5% down and flexible credit requirements. The Federal Housing Administration insures these loans, allowing lenders to offer competitive rates even to borrowers with credit scores as low as 580.
They're especially popular with first-time homebuyers or those rebuilding credit who don't have a large down payment saved. While FHA loans require both upfront and ongoing mortgage insurance premiums, the lower down payment requirement helps many buyers enter the market sooner than they could with a conventional loan.
Advantages
- ✓Only 3.5% down required with 580+ credit score
- ✓Lower credit scores accepted (as low as 580)
- ✓Seller can pay closing costs up to 6%
- ✓Gift funds allowed for down payment
Considerations
- •Mortgage insurance required for life of loan
- •Upfront MIP of 1.75% added to loan
- •Property condition requirements must be met
- •Loan limits apply based on county