Fha Loan To Buy Land And Build Home (2026)

After the final inspection and certificate of occupancy are issued, the loan converts to a permanent mortgage.

Like standard FHA loans, this program is more accessible for borrowers with lower credit scores compared to conventional construction loans. fha loan to buy land and build home

You will need a formal contract for the land and a detailed construction contract with your builder, including floor plans and a line-item budget. After the final inspection and certificate of occupancy

You must use a licensed, insured, and bonded general contractor. You generally cannot act as your own builder (Self-Build) under this program. fha loan to buy land and build home

To qualify for an FHA construction-to-permanent loan, you and your project must meet specific criteria: