FHA Loans
Low down payment options and flexible qualifying guidelines for eligible primary-home buyers.
A financing strategy built for your goals.
FHA loans are insured by the Federal Housing Administration and can help qualified buyers purchase a primary residence with as little as 3.5% down. We help you compare FHA with conventional financing based on total cost, not just the upfront down payment.
At a glance
- As little as 3.5% down for qualified borrowers
- Flexible credit guidelines
- Eligible 1–4 unit primary residences
How fha loans work
Who can use FHA?
FHA is available to eligible first-time and repeat buyers who intend to occupy the home as their primary residence.
Mortgage insurance matters
FHA loans include upfront and annual mortgage insurance premiums. We show how those costs affect your monthly payment and longer-term plan.
Funds for down payment
Eligible gift funds and certain assistance programs may help with the required investment, subject to program rules.
Who this may fit
Every situation is different. This program can be a useful starting point for:
- Buyers with limited down payment funds
- Borrowers comparing FHA and conventional
- Eligible owner-occupied 2–4 unit buyers
Neev can help you compare it with other available options using your actual income, assets, property, and goals.
Questions about fha loans
Is FHA only for first-time buyers?
No. Eligible repeat buyers can use FHA financing too.
Can I use FHA for a rental property?
FHA is intended for eligible primary residences. Some owner-occupied 2–4 unit properties may qualify.
Let's explore your fha loans options.
You'll get a real conversation, clear tradeoffs, and a financing plan shaped around your goals.