Skip to content

Mortgage Estimates Search Blog

About | Privacy | Terms | Disclaimer | Methodology | Contact

Related Resources

© 2026 HomeLoanPeek. All rights reserved.

Data sourced from Freddie Mac & HUD.

Home
/Loan Types
/FHA Loan

FHA Loan Mortgage by State

Government-backed loan with 3.5% minimum down. Lower credit score requirements.

Min Down Payment

0.035%

Requires PMI

No

Requires MIP

Yes

Rate Adjustment

+0.25%

Live DataLast updated: April 4, 2026·Source: Freddie Mac & HUD

Top 10 Lowest Payment States

For FHA Loan at $350K-$500K

#1 Hawaii$4,583/mo #2 Colorado$4,708/mo #3 District of Columbia$4,734/mo #4 California$4,812/mo #5 Washington$4,896/mo #6 Massachusetts$5,026/mo #7 New York$5,172/mo

Top 10 Highest Payment States

For FHA Loan at $350K-$500K

#1 New York$5,172/mo #2 Massachusetts$5,026/mo #3 Washington$4,896/mo #4 California$4,812/mo #5 District of Columbia$4,734/mo #6 Colorado$4,708/mo #7 Hawaii$4,583/mo

FHA Loan in Every State

AlabamaAL AlaskaAK ArizonaAZ ArkansasAR CaliforniaCA ColoradoCO ConnecticutCT DelawareDE District of ColumbiaDC FloridaFL GeorgiaGA HawaiiHI IdahoID IllinoisIL IndianaIN IowaIA KansasKS KentuckyKY LouisianaLA MaineME MarylandMD MassachusettsMA MichiganMI MinnesotaMN MississippiMS MissouriMO MontanaMT NebraskaNE NevadaNV New HampshireNH New JerseyNJ New MexicoNM New YorkNY North CarolinaNC North DakotaND OhioOH OklahomaOK OregonOR PennsylvaniaPA Rhode IslandRI South CarolinaSC South DakotaSD TennesseeTN TexasTX UtahUT VermontVT VirginiaVA WashingtonWA West VirginiaWV WisconsinWI WyomingWY

Freddie Mac & HUD

Explore the DataPeek Network

VocabWize Vocablibre WortWize KalimaWize DicionarioWize KotobaPeek SalaryBycity NetpayPeek WagePeek CostBycity FairrentWize PropertytaxPeek