FHA Loan for Multi-Family (2-4 Units)
House-hack a duplex, triplex, or fourplex with FHA financing.
Overview
The FHA Loan for Multi-Family (2-4 Units) is part of the FHA's suite of government-insured mortgage programs. Like all FHA loans it requires mortgage insurance (an upfront premium of 1.75% plus an annual MIP), allows low down payments, and accepts lower credit scores than most conventional financing.
Who it's for
This program fits borrowers who want the specific flexibility it offers while keeping FHA's low barriers to entry. As with any FHA loan, the home must be your primary residence and meet FHA's minimum property standards.
Key things to know
- Minimum 3.5% down payment with a 580+ credit score.
- Loan amount is capped by the FHA limit for your county (floor $541,287, up to $1,249,125 in high-cost areas).
- FHA mortgage insurance applies; factor MIP into your monthly payment.
- Program rules are set by HUD and updated periodically.
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Frequently Asked Questions
- What is the FHA Loan for Multi-Family (2-4 Units)?
- House-hack a duplex, triplex, or fourplex with FHA financing.
- What credit score and down payment are required?
- Like other FHA loans, a 580+ score qualifies for 3.5% down; 500-579 requires 10% down.