FHA Mortgage Program
An FHA 30-year fixed purchase program offering 101.5% CLTV, including 5% down payment assistance to help cover closing costs.
Underwriting at a glance
- Minimum FICO
- 600+
- Max LTV (purchase / rate-term)
- 101.5%
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- full-doc
- States
- most states
Highlights
- •101.5% CLTV (96.5% First + 5% DPA)
- •5% DPA available for closing costs
- •No income limits
- •No first-time buyer requirement
- •600 min FICO for AUS, 660 for manual
- •No first-time homebuyer requirement
- •620 minimum FICO for AUS approvals
- •660 minimum FICO for manual underwriting
- •101.5% CLTV
- •5% DPA for closing costs
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 7/10/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.125%
6.164% APR
FHA
5.500%
5.531% APR
VA
5.500%
5.530% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.