Government Home Loans

Huntington offers Federal Housing Administration (FHA), U.S. Department of Veteran Affairs (VA)and U.S. Department of Agriculture (USDA) loans. These specialty loans often feature low or no down payment for those who qualify.

Learn more about FHA, VA, USDA, and other non-conventional loans and find out if you qualify by searching for a quote or contacting Huntington.
FHA, VA & USDA Loans | Huntington

Why choose an FHA/VA/USDA Loan?

VA Mortgage Closing Cost Discount

Huntington offers Department of Veterans Affairs (VA) loans.

And as a thank you to our veterans and servicemembers, we provide assistance with closing costs. Borrowers are responsible for paying a minimum of $500 in certain Huntington closing costs, then Huntington will pay up to $5,500.00 of the remaining closing costs. That means borrowers are only responsible for the first $500.00 and any amounts exceeding $6,000.00 in total Huntington closing costs.

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Flexible Down Payment Sources

Your down payment doesn't have to come from savings. With these loans, it can come from a gift or a grant.

Low Down Payment Options

Put the dream of owning a home within reach. With an FHA/VA/USDA Home Loan, your down payment can be as low as 3.5%.

Other Fixed Rate Mortgage Features

Service Commitment

We'll be here to walk you through the entire process, from application to closing and beyond.

Low Fixed Rates

Get a low, fixed interest rate, even if you put down as little as 3.5%.

Access to Over 1,000 Branches

No matter where you choose to make your payments, Huntington gives you options.

Free Mobile Banking

Check your balance and make a payment from your phone and iPad®.

Subject to any loan program minimum borrower contribution requirements and/or maximum cashback allowances, and to origination, processing and administrative fees charged in connection with certain government loan programs, borrowers will pay $500 for certain Huntington-required closing costs and Huntington will pay up to the next $5,500.00 in closing costs if the total Huntington closing costs do not exceed $6,000.00. If the total Huntington closing costs exceed $6,000.00, the Borrower will be responsible for the first $500.00 and anything exceeding $6,000.00. The closing cost discount/waiver will not apply to prepaid interest, borrower-elected discount points, hazard and/or flood insurance premiums, mortgage insurance premiums, initial escrow account payments, escrow waiver fees, construction-related fees, or to other closing costs for items not required by Huntington, including but not limited to those for owner’s title insurance, homebuyer education, government fees such as property taxes, transfer taxes, and revenue stamps, government loan program funding and guarantee fees, and real estate closing fees, such as brokerage fees, homeowner’s or condominium association and/or certification fees, and inspection fees. Seller’s credits to pay specified fees and other promotional credits will be applied first before the closing cost waiver is applied. Example loan payment calculation: $150,000 loan amount at a fixed rate of 7.00% (7.06% APR), 360-month term, 80% loan to value, and customer-paid closing costs of $500 results in $997.95 P&I monthly payment (payment amount does not include amounts for escrow of taxes or insurance so actual payment obligation will be greater). Huntington’s closing cost discount is only available for the purchase and refinance of homes located in the following states: Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, Wisconsin.

VA loans require a VA certificate of eligibility. Huntington is not acting on behalf of, or at the direction of, the VA, FHA, the USDA, or the Federal Government.

All loans are subject to application and credit approval, satisfactory appraisal and title insurance. Terms, conditions, and loan programs are subject to change without notice. Other terms, conditions and restrictions may apply.

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