FHA Loan for Multi-Family (2-4 Units)
House-hack a duplex, triplex, or fourplex with FHA financing.
How it works
FHA finances 2-4 unit owner-occupied properties with just 3.5% down, with 2026 limits up to $1,041,072 (floor) — the foundation of the popular 'house-hacking' strategy.
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.
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Frequently Asked Questions
- What is the FHA Loan for Multi-Family (2-4 Units)?
- FHA finances 2-4 unit owner-occupied properties with just 3.5% down, with 2026 limits up to $1,041,072 (floor) — the foundation of the popular 'house-hacking' strategy.
- What credit score and down payment are required?
- Like other FHA loans, 580+ qualifies for 3.5% down; 500-579 requires 10% down.