FHA Loan Requirements in 2026: Credit Score, Down Payment, DTI, and Limits
FHA loans are built for buyers with lower credit scores. Here are the exact 2026 requirements — credit score, down payment, DTI, and loan limits.
Home Buying & Mortgages
First-time home buyer guides, mortgage breakdowns, and real affordability math for people who are not sure if they can actually buy. Covers FHA, VA, USDA, and conventional loans.
Start here: Can I Afford a House? First-Time Buyer Affordability Guide
Then: How Much Down Payment Do You Actually Need? | FHA vs. Conventional Loan | What Credit Score Do You Need to Buy a House? | How Much Are Closing Costs?
Tools: Home Affordability Calculator | Mortgage Payment Calculator
With 37 guides covering every stage from credit prep to closing day, this is the most complete first-time buyer resource on the site.
What Credit Score Do You Need to Buy a House in 2026?
FHA, VA, USDA, and conventional loans all have different minimums. Here’s the exact credit score you need for each — and how to hit the threshold fast.
FHA vs Conventional Loan in 2026: Which One Should Normal People Pick?
FHA or conventional? It depends on your credit and how long you’ll stay. Here’s the honest comparison with a clear decision guide for first-time buyers.
Piggyback Loan vs PMI Calculator
A piggyback loan can eliminate PMI — but it’s not always cheaper. Use this calculator to see which option costs less based on your actual numbers.
80/10/10 Piggyback Mortgage Calculator
An 80/10/10 mortgage lets you put 10% down and avoid PMI. Use this calculator to see your payment — and whether this strategy makes financial sense.
Combined Loan-to-Value (CLTV) Calculator
Your CLTV ratio determines whether you qualify for refinancing or a HELOC. Use this free calculator to find your combined loan-to-value in seconds.
Loan-to-Value (LTV) Calculator in 2026 | Up From Zero HQ
Your LTV ratio affects your mortgage rate, PMI requirements, and refinance options. Use this free calculator to find your loan-to-value instantly.
How to Remove PMI From Your Mortgage
PMI can add $100-$300/month to your payment — and you can cancel it once you hit 20% equity. Here’s exactly how to request PMI removal.
PMI Calculator
Wondering how much PMI adds to your mortgage? Use this free calculator to find your monthly cost — and learn exactly when you can stop paying it.
Down Payment Calculator
Not sure how much to save for a down payment? Use this free calculator to compare 3%, 5%, 10%, and 20% options — with monthly payment breakdowns.