Fha Loan Restrictions Buying Apr 2026

: You generally cannot buy a home that was sold within the last 90 days. If the home was sold between 91 and 180 days prior, additional documentation may be required to justify the price increase. Minimum Property Standards (MPS)

The property must pass an appraisal by an FHA-approved professional who checks for safety, security, and structural soundness. fha loan restrictions buying

: FHA loans are strictly for homes the borrower will live in full-time. They cannot be used for vacation homes, second homes, or purely for investment properties. : You generally cannot buy a home that

: Borrowers must establish occupancy within 60 days of closing and must intend to live in the home for at least one year. : FHA loans are strictly for homes the

Federal Housing Administration (FHA) loans have specific restrictions to ensure the safety and marketability of the property. For the , the most significant restrictions involve the property's physical condition, its intended use, and maximum loan amounts based on geographic location. Property Use and Occupancy Restrictions

: You can buy a 2- to 4-unit property, but you must live in one of the units as your primary residence.