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FHA loan 2026 requirements are officially updated for First Time Homebuyers. In this video, I explain exactly how FHA loans work in 2026, what credit scores and down payments are required, and how buyers can purchase a home with as little as 3.5% down (or even 500 credit scores with 10% down) using an FHA loan. If you’re searching for FHA loan requirements 2026, confused about FHA credit score minimums, or wondering how FHA mortgage insurance and debt-to-income ratios work, this guide breaks it down in simple terms. You’ll learn how FHA loans differ from conventional loans, how mortgage insurance works on FHA, and how to avoid overpaying or choosing the wrong loan program when using FHA financing. This video is ideal for: • First-time home buyers in 2026 • Buyers with lower credit scores • Buyers with limited down payment funds • Buyers comparing FHA vs Conventional loans • Anyone trying to qualify for a mortgage in 2026 ⸻ 📅 Ready to Buy a Home? ⭐ 5-Star Google Reviews: https://g.co/kgs/uK6Wtzf 📞 Call or Text Me Directly: 407-773-1775 📅 Free Homebuyer Strategy Call: https://calendly.com/meres_mortgage/1... 📌 WHAT YOU’LL LEARN • 2026 FHA loan requirements explained • FHA credit score minimums (500 vs 580) • FHA down payment options (3.5% vs 10%) • FHA mortgage insurance explained (UFMIP & MIP) • FHA debt-to-income ratio guidelines • FHA vs Conventional loan comparison • FHA loan limits and how they work • FHA loans for multi-unit properties • FHA condo approval rules 🏡 Official FHA Housing Resource: https://www.hud.gov/federal_housing_a... FHA Approved Condo List - https://entp.hud.gov/idapp/html/condl... FHA County Loan Limits - https://entp.hud.gov/idapp/html/hicos... NEW 2026 FHA LOAN LIMITS - Low-Cost Areas (Floor): • One-unit: $541,287 • Two-unit: $693,050 • Three-unit: $837,700 • Four-unit: $1,041,125 High-Cost Areas (Ceiling): • One-unit: $1,249,125 • Two-unit: $1,599,375 • Three-unit: $1,933,200 • Four-unit: $2,402,625 #housingmarket2026 #realestate #FHA