Buying a condo with an FHA loan is possible — and easier than you think. FHA loans offer low down payments, flexible credit requirements, and government-backed security.
Verify Your FHA Loan For Condo Eligibility
An FHA-approved condo is a unit in a condominium project that meets specific standards set by the Federal Housing Administration (FHA).
These include safety, financial health of the HOA, owner-occupancy rates, and more. When a condo is FHA-approved, you can use an FHA loan to buy it — often with just 3.5% down.
Low Down Payment - As little as 3.5%.
Credit Score Flexibility - Qualify with scores as low as 580.
Competitive Rates - Often lower than conventional loans.
Backed by HUD - Government-backed stability.
But remember, the condo must meet FHA eligibility.
To qualify for an FHA loan on a condo:
The condo must be on the FHA-approved list.
You must live in the condo as your primary residence.
Your credit score should be at least 580 (500 with higher down payment).
Your DTI ratio generally must be 43% or less.
FHA Mortgage Insurance Premium (MIP) is required.
Finding out isn’t always easy. HUD maintains a searchable list, but it’s outdated and confusing.
We make it simple. Just tell us your property address (or where you're looking), and we’ll do the digging.
Even if a condo isn’t on the FHA-approved list, you may still be able to get it approved through a single-unit approval process. We’ll walk you through:
What documents are needed
How long it takes
How to talk to the condo association
Lower credit and down payment barriers.
Government-backed protection.
Easier path to homeownership for first-time buyers.
Condo must meet strict HUD criteria.
You’ll pay upfront and annual MIP.
Limited inventory of FHA-approved condos.
We don’t just help you understand FHA condo loans — we simplify the entire process. Our mission is to help you unlock homeownership by checking your condo's FHA eligibility quickly and clearly.
Whether you're a first-time buyer or just new to condo financing, we provide expert guidance on:
Verifying FHA-approved condos in your area.
Explaining loan requirements in plain language.
Identifying the best loan options based on your situation.
Connecting you with trusted FHA-approved lenders.
Our goal is to remove the guesswork so you can move forward with confidence — and with the lowest possible down payment.
Don't waste time wondering. Check your condo's FHA eligibility today.
