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The FHA has helped more than 26 million Americans buy a home.

The FHA works to make homeownership a possibility for more Americans by offering programs to make homeownership more affordable for more consumers.

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Lender claims paid by the FHA mortgage insurance program are drawn from the Mutual Mortgage Insurance fund.

This fund is made up of premiums paid by FHA-insured loan borrowers. FHA-insured loans are available to any consumer who meets the credit requirements, can afford the mortgage payments and cash investment and who plan to use the mortgaged property as a primary residence.

These programs can help you afford the home of your dreams, reduce costs for mortgage insurance, and even help with renovation costs if you are purchasing an older home.

Department of Housing and Urban Development (HUD), along with the Federal Housing Administration (FHA), offer a variety of programs to make the dream of owning a home a reality.

If you can do certain repairs and improvements yourself, your labor may be used as part of a down payment (called “sweat equity”).

Last modified 01-Jan-2017 11:13