Please see the recap of the latest 2022 FHA loan guidelines. Learn more about the latest FHA mortgage standards, down payment requirements, mortgage insurance and new information about student loans.
Update 2023: please see the newly updated FHA student loan guidelines here.
The old FHA loan policy for student loan debt “required Mortgagees to calculate a monthly payment for deferred Student Loans using 2 percent of the outstanding balance, and include the payment in the Borrowers Debt-to-Income ratio for qualification purposes.” New rules going into effect June 30, 2016 will reduce this to only 1% of the outstanding balance! This guidance is effective for all case numbers assigned on or after June 30, 2016.
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