What credit score and down payment are required?

Like other FHA loans, 580+ qualifies for 3.5% down; 500-579 requires 10% down.

FHA 203(h) Disaster Victims Loan

100% financing for homeowners in declared disaster areas.

How it works

FHA's 203(h) program offers 100% financing (no down payment) to homeowners whose residence was destroyed in a federally declared disaster area, with flexible credit treatment.

Key things to know

Minimum 3.5% down with a 580+ credit score (10% down for 500-579).
Loan amounts are capped by your county FHA limit — $541,287 floor up to $1,249,125 in high-cost areas.
FHA mortgage insurance applies; budget the 1.75% upfront premium plus annual MIP.
The home must be your primary residence and meet FHA's minimum property standards.

Program rules are set by HUD and updated periodically. Join the free notification program to hear about changes to the FHA 203(h) Disaster Victims Loan first.

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Frequently Asked Questions

What is the FHA 203(h) Disaster Victims Loan?: FHA's 203(h) program offers 100% financing (no down payment) to homeowners whose residence was destroyed in a federally declared disaster area, with flexible credit treatment.
What credit score and down payment are required?: Like other FHA loans, 580+ qualifies for 3.5% down; 500-579 requires 10% down.