Is FHA the Right Loan for You?
FHA LOAN MATCH

Is FHA the Right Loan for You?

Answer a few quick questions. See how FHA compares with other low-down-payment options for the things that matter to you.

No credit check to compareAbout 60 secondsSee 3 options
YOUR PERSONAL COMPARISON

See how your options line up.

FHA3.5% down
82
3% ConventionalLow down payment
74
FHA + DPAHelp with upfront cash
88
Cash neededPaymentMIRateSeller help
Your scores change as you answer.
Step 1 of 7

What price home are you looking at?

An estimate is fine.

2026 one-unit loan limits apply. Local FHA and conventional limits can be lower depending on the property location.

Your starting comparison

Down payment is only part of the cost.

FHA
$0
3.5% estimated down payment
3% Conventional
$0
3% estimated down payment
FHA + DPA
Varies
Assistance may reduce cash needed upfront
The smallest down payment does not always mean the lowest total cost.
Let’s compare what matters to you.

About what is your credit score?

An estimate is fine. We are not checking your credit.

Would help with your down payment or closing costs make buying easier?

What matters most to you?

Choose the one you care about most.

When would you like to buy?

Your low-down-payment comparison

Your Match Scores show how each option lines up with what you told us. They are not approval odds.

FHA
Match —
Down payment
Mortgage insuranceFHA MIP applies
RateOften competitive; varies
Seller helpUp to 6%, subject to FHA rules
Speed / stepsStandard FHA process
3% Conventional
Match —
Down payment
Mortgage insurancePMI usually applies
RateDepends on borrower profile
Seller helpLimits depend on loan rules
Speed / stepsStandard conventional process
FHA + DPA
Match —
Down paymentAssistance may help
Mortgage insuranceFHA MIP applies
RateMay differ by DPA program
Seller helpFHA + DPA rules apply
Speed / stepsMay have extra DPA steps
Your answers changed the comparison.

    Estimates are for education only. Rates, payments, mortgage insurance, assistance, seller contributions and eligibility depend on the loan, borrower, property and program.

    Where should we send your comparison?

    We’ll help you compare FHA, conventional and available assistance options.

    By submitting, you agree that we may contact you by phone, text, or email regarding the home financing information you requested. Message and data rates may apply.

    •Your live match
    FHA50
    3% CONV.50
    FHA + DPA50

    Why Wait Buy Today
    About WWBT & Disclosures
    Why Wait Buy Today, WWBT provides educational tools and interactive experiences designed to help consumers explore homebuying, financing, and homeownership options. Information provided through WWBT is for educational purposes and is not a commitment to lend or provide real estate services. Mortgage, real estate, builder, and other professional services are provided by the professional or company identified on the applicable experience. Participating professionals are responsible for their own licensing, disclosures, advertising, products, rates, terms, eligibility requirements, and services.