FHA Flipping Rule (90-Day)
Understanding flipping rule (90-day) up front saves surprises in underwriting. The 2026 specifics are below.
The rule for 2026
FHA's anti-flipping rule generally bars financing a home resold within 90 days of the seller's purchase, and requires extra documentation (like a second appraisal) for resales 91-180 days out.
FHA sets this baseline, but approved lenders can add stricter "overlays." Meet the FHA standard first, then confirm whether your lender layers anything on top.
Documentation you'll need
- 30 days of pay stubs and two years of W-2s or tax returns
- Two months of bank statements
- Photo ID and Social Security number
- Letters of explanation for any credit events or large deposits
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Frequently Asked Questions
- FHA Flipping Rule (90-Day) — what's the bottom line for 2026?
- FHA's anti-flipping rule generally bars financing a home resold within 90 days of the seller's purchase, and requires extra documentation (like a second appraisal) for resales 91-180 days out.
- Do all lenders apply this the same way?
- No. FHA sets the floor, but individual lenders may require higher credit scores or stricter terms.