You can buy a house with $14,000 down. Most people don't know this.

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FHA loans are backed by the federal government and most first-time buyers have never heard of them.

Credit score 580+: just 3.5% down. On a $400,000 home that's $14,000 instead of $80,000.

Credit score 500–579: 10% down. You still qualify.

82% of FHA loans go to first-time home buyers. This program was built for you.

The catch: mortgage insurance of ~$177/month. The fix: refinance into a conventional loan once your equity builds. It's not forever.

2026 FHA loan limit: $541,287 in most areas. Start at HUD.gov. Find an FHA-approved lender.

Source: HUD / FHA.gov 2026.

#shorts #personalfinance #fhaloan #money #finance
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