2026 FHA Loan Requirements (What's ACTUALLY Required?)

Everything you need to qualify for an FHA loan in 2026, from down payment and credit scores to mortgage insurance and DTI, so you know exactly what to expect before you apply. Links In This Video: • Get pre-approved: https://www.winthehouseyoulove.com • Search FHA-approved condos: https://www.hud.gov ► ► Get Pre-Approved With My Team → https://www.winthehouseyoulove.com/le... ► ► Get An Agent Referral → https://www.winthehouseyoulove.com/agent TOP RESOURCES 📉 Today’s Rates → https://www.winthehouseyoulove.com/rates 🏡 Max Purchase Price Calculator → https://www.winthehouseyoulove.com/ma... 📊 Loan Comparison Calculator → https://www.winthehouseyoulove.com/ad... 📅 Complete Buying Timeline → https://www.winthehouseyoulove.com/ti... 🎓 Lower Student Loan Payments → https://www.winthehouseyoulove.com/st... 💳 Credit Score Simulator → https://www.winthehouseyoulove.com/cr... 0:00 Highlights 1:34 What is FHA? 3:07 Down Payment 3:45 Closing Costs 6:04 Proof of Funds 7:37 Credit Score 9:28 Credit Setbacks 10:10 Mortgage Insurance 14:11 Get Pre-Approved 15:14 FHA vs Conventional 16:52 Interest Rates 18:34 Debt to Income Ratio 20:59 Income 22:21 Student Loans 22:53 House Hacking 24:29 Condos 25:52 Rehab Options 27:18 Appraisal 28:51 Loan Limits 29:29 Example Home 30:31 Refinancing 32:39 Winning An Offer 34:50 Get Pre-Approved — DISCLAIMER — Kyle Andrew Seagraves is Licensed Loan Originator (NMLS 1701021) with NFM Lending (NMLS 2893), an Equal Housing Lender. Separately, Kyle owns Win The House You Love LLC, an education company. Win The House You Love LLC is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This video is only for educational usage. All calculations should be verified independently. This video is not an offer to lend and should not be used directly to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. Not affiliated with the VA, FHA, or any other government agency. This video has not been approved by any government agency. NFM Lending 1190 Winterson Road, Suite 300, Linthicum, MD 21090 Toll Free: +1 (888) 233-0092 NMLS #2893 Equal Housing Lender