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FHA Loans - FHA Duplex (2 Unit) Mortgage Loans


FHA loans will finance up to 96.5% of the value of a 2 unit homes (duplex). FHA mortgages makes qualifying slightly easier than other real estate loan programs, by crediting the buyer with up to 75% of rental income of the remaining unit as "income" providing the buyer with a investment rental home.

FHA loans are for  owner occupied properties only, meaning you will need to live in one of the two units for at least 1 year. There is no maximum sales price but there is a maximum loan amount for this type of property. The actual maximum loan amount will depend what state and county the property is located.

FHA's basic nationwide mortgage limit for Two-Unit Financing:

  • $347,000

FHA's statutory ceiling for two-unit financing in high cost areas is: 

  • $800,775

Again, its important for you to find out the FHA loan limit for the state and county you are purchasing or refinancing the property in. To search the exact limit in your area please click >> Here.

FHA allows both a purchase loan or a refinance mortgage using FHA loan financing for two unit (duplex) rental properties.

Now that you understand the basic FHA 2-unit duplex loan program, learn about ra.gif (855 bytes)FHA Loan Requirements of Qualifying

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We are not a government agency.  FHA home loans are not originated by the HUD or FHA. HUD only insures FHA loans and HECM reverse mortgages. FHA loans are originated and funded by HUD approved FHA home loan lenders. FHA-Home-Loans.com is not a mortgage lender and does not make or offer fha loans directly or indirectly.  Information about FHASecure refinance program to help borrowers who are facing foreclosure and must refinance.FHA-Home-Loans.com is owned and operated by a private company specialized in providing information about FHA loans and does not make or offer FHA home loans and FHA mortgages. FHA-Home-Loans.com is not affiliated with or owned, operated, endorsed or sponsored by HUD, Federal Housing Administration or FHA. Contact HUD directly at: www.hud.gov
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