FHA Mortgage Program
An FHA mortgage program featuring an interest subsidy where the seller, agent, or builder covers the interest portion of the mortgage payment for up to 10 months.
Underwriting at a glance
- Minimum FICO
- 680+
- Max LTV (purchase / rate-term)
- 96.5%
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- full-doc
- States
- AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
Highlights
- •Up to 10 months of interest relief
- •100% seller, agent, or builder funded
- •Fully funded by seller, agent, or builder
- •Improves borrower affordability on FHA fixed-rate purchases
- •100% seller, agent, or builder funded subsidy
- •Temporarily subsidizes interest portion of P&I payment
- •1 to 10 months of interest subsidy
- •100% seller or builder funded
- •IPCs up to 6%
- •Fixed-rate FHA purchase only
- •Borrower note terms do not change
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 6/19/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.250%
6.288% APR
FHA
5.750%
5.780% APR
VA
5.750%
5.780% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.