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Federal Housing Administration (FHA) loans

Open the way to owning a home, even when your credit score or down payment isn’t where you want them to be. An FHA loan offers fixed- or adjustable-rate mortgagesDisclosure 1 (ARM) that can be a good option for borrowers with limited funds for a down payment.

This way to home affordability.

Why choose an FHA loan?

  • You can finance up to 96.5% of the purchase price on some loans. 
  • A family member or employer can give 100% of the down payment as a gift. 
  • The seller can put up to 6% of the sale price towards closing costs and prepaid items.

A few things to consider

  • You can finance your mortgage insurance. 
  • You typically will pay an annual mortgage insurance premium (MIP) for the entire term of the loan with down payments less than 10%. 
  • FHA home loan maximum amounts range from $498,257–$1,149,825 based on where you’re buying.

Start your application with confidence. Our mortgage professionals are ready to help when you need it.

Apply now for a Truist mortgage.

Today's mortgage rates

Mortgage rates change every day. If you see a rate that works for you, start your application right away.

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Affordable loans

There are other ways to make homebuying affordable. Ask a mortgage professional if you qualify for these options.

Buy affordably
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Disclosure 1  Adjustable-rate mortgage (ARM) products have interest rates that may increase after consummation.

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Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
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  • May Lose Value

Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., which is a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC., each SEC registered investment advisers.

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  • Multilingual teammates available at our Multicultural Banking Centers
  • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
  • Phone assistance in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

  • Limited English Proficiency Support
  • New York City residents

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

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