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2026 FHA Loan Requirements (What's ACTUALLY Required?)

2026-05-07 · 18:33 UTC ·Win The House You Love ·2 min read

Brief

Kyle Andrew Seagraves presents a tutorial-style, step-by-step guide to qualifying for FHA loans in 2026. He walks viewers through the application workflow — pre-approval, proof of funds, down payment and closing costs, credit thresholds and setbacks, mortgage insurance, DTI and income documentation, condo and 203(k) rehab rules, appraisal, and loan limits — with timestamps and resource links (WinTheHouseYouLove, HUD).

Why it matters

Kyle Andrew Seagraves (Licensed Loan Originator, NMLS 1701021) published this FHA-qualification guide on 2026-05-07 and lays out the 2026 FHA checklist covering down payment, credit, mortgage insurance, DTI, income documentation, appraisal, loan limits, condos, and rehab options.

Key details

  • Key topics are timestamped for quick reference: down payment (3:07), mortgage insurance (10:10), FHA vs conventional (15:14), DTI (18:34), student loans (22:21), condos (24:29), rehab options (25:52), appraisal and loan limits (27:18–28:51).
  • The video includes action items and resources — get pre-approved via WinTheHouseYouLove, HUD condo search, rate and loan calculators — and carries a lender disclosure linking Kyle to NFM Lending (NMLS 2893).
Source evidence

Everything you need to qualify for an FHA loan in 2026, from down payment and credit scores to mortgage insurance and DTI, so you know exactly what to expect before you apply.

Links In This Video:
• Get pre-approved: https://www.winthehouseyoulove.com
• Search FHA-approved condos: https://www.hud.gov

► ► Get Pre-Approved With My Team → https://www.winthehouseyoulove.com/lender
► ► Get An Agent Referral → https://www.winthehouseyoulove.com/agent

TOP RESOURCES
📉 Today’s Rates → https://www.winthehouseyoulove.com/rates
🏡 Max Purchase Price Calculator → https://www.winthehouseyoulove.com/maxprice
📊 Loan Comparison Calculator → https://www.winthehouseyoulove.com/advisor
📅 Complete Buying Timeline → https://www.winthehouseyoulove.com/timeline
🎓 Lower Student Loan Payments → https://www.winthehouseyoulove.com/student
💳 Credit Score Simulator → https://www.winthehouseyoulove.com/credit

0:00 Highlights
1:34 What is FHA?
3:07 Down Payment
3:45 Closing Costs
6:04 Proof of Funds
7:37 Credit Score
9:28 Credit Setbacks
10:10 Mortgage Insurance
14:11 Get Pre-Approved
15:14 FHA vs Conventional
16:52 Interest Rates
18:34 Debt to Income Ratio
20:59 Income
22:21 Student Loans
22:53 House Hacking
24:29 Condos
25:52 Rehab Options
27:18 Appraisal
28:51 Loan Limits
29:29 Example Home
30:31 Refinancing
32:39 Winning An Offer
34:50 Get Pre-Approved

— DISCLAIMER —
Kyle Andrew Seagraves is Licensed Loan Originator (NMLS 1701021) with NFM Lending (NMLS 2893), an Equal Housing Lender. Separately, Kyle owns Win The House You Love LLC, an education company. Win The House You Love LLC is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This video is only for educational usage. All calculations should be verified independently. This video is not an offer to lend and should not be used directly to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. Not affiliated with the VA, FHA, or any other government agency. This video has not been approved by any government agency.

NFM Lending
1190 Winterson Road, Suite 300,
Linthicum, MD 21090
Toll Free: +1 (888) 233-0092
NMLS #2893
Equal Housing Lender

Channel: Win The House You Love
Published: 2026-05-07
Video URL: https://www.youtube.com/watch?v=4RV0B0FSKEA