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 FHA > FHA Loan Program > FHA 3-Unit (Triplex) Financing

FHA Loans - FHA Triplex (3 Unit) Mortgage Loans
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FHA will finance up to 96.5% of the value (or purchase price) of a 3 unit triplex home for either purchase or refinance. Up to 90% (vs. 75% for conventional loans) of the rental income from the two remaining units assists buyers in qualifying of the mortgage. Like all FHA home loans this is for owner occupied homes only meaning you will need to live in the property.

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 nationwide basic mortgage limits ("the floor") for a three-unit:

  • $419,425

and FHA maximum loan ceiling in high-cost* area's for three-units is:

  • $645,300

FHA will finance a purchase loan and also complete a FHA  refinance mortgage loan for three unit properties.

FHA also allows the use of some specialized down-payment assistance programs for this type of property.

If you are refinancing or looking to purchase a triplex and the FHA loan limit is within the range you require then take a moment to learn about fha home loansFHA Requirements for Loan Qualifying

* except Alaska, Hawaii, Guam, and the Virgin Islands where the limit is adjusted 150% to $1,415,925 ...............................................................................

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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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