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Federal Housing Administration (FHA) loans

Open the way to owning a home, even when your credit score or down payment isn’t where you want them to be. An FHA loan offers fixed- or adjustable-rate mortgagesDisclosure 1 (ARM) that can be a good option for borrowers with limited funds for a down payment.

This way to home affordability.

Why choose an FHA loan?

  • You can finance up to 96.5% of the purchase price on some loans. 
  • A family member or employer can give 100% of the down payment as a gift. 
  • The seller can put up to 6% of the sale price towards closing costs and prepaid items.

A few things to consider

  • You can finance your mortgage insurance. 
  • You typically will pay an annual mortgage insurance premium (MIP) for the entire term of the loan with down payments less than 10%. 
  • FHA home loan maximum amounts range from $524,225-$1,209,750 based on where you’re buying.

Start your application with confidence. Our mortgage professionals are ready to help when you need it.

Apply now for a Truist mortgage.

Answers to common questions about FHA loans

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Affordable loans

There are other ways to make homebuying affordable. Ask a mortgage professional if you qualify for these options.

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Disclosure 1  Adjustable-rate mortgage (ARM) products have interest rates that may increase after consummation.

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  • Multilingual teammates available at our Multicultural Banking Centers
  • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
  • Phone assistance in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages please speak to a representative directly.

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Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

  • Limited English Proficiency Support
  • New York City residents

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

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