Government Home Loans

Accessible government home loans with built-in support

At Huntington Bank, we offer a range of government home loans designed to make homeownership more accessible, including FHA, VA, and USDA loans1. These specialty loans often offer low or no down payment for those who qualify, helping you take the next step with confidence.

Learn more about these options and other nonconventional loans and find out if you qualify by searching for a quote or contacting a Huntington loan officer.

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Why choose an FHA, VA or USDA loan?

VA mortgage closing cost discount1

We help with closing costs as a thank you to our veterans and servicemembers. Borrowers are responsible for paying a minimum of $500 in certain Huntington closing costs, then Huntington will pay up to $5,500 of the remaining closing costs. That means borrowers are only responsible for the first $500 and any amounts exceeding $6,000 in total Huntington closing costs2.

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Flexible down payment sources

We know that every homebuyer's journey is different, and so is every down payment. You can use funds from a gift or a grant to cover your down payment, giving you more ways to get started, even if you haven’t built up a large savings cushion.

Low down payment options

You may qualify with as little as 3.5% down. That means more people can take the first step toward owning a home without waiting years to save up.

Government Home Loan Features

Service commitment

From application to closing and beyond, we’re here to guide you every step of the way.

Low fixed rates

Get a low, fixed interest rate, even if you put down as little as 3.5%. for FHA loans; zero down for VA and USDA loans.

Access to over 1,000 branches

Whether you prefer to pay online or in person, we give you options. Find your neighborhood Huntington branch.

Online account management

Save time with easy access to your loan details. View your balance, track your transaction history and make payments with Bill Pay, all in one place.

Government Home Loan Resources

Connect with a local lending professional

Our loan officers are ready to help you take the next step. Just select your location to find a specialist near you.

Find a Loan Officer

Verify a lender’s credentials

Looking for an NMLS number? Search Huntington employees to view their registration with the Nationwide Mortgage Licensing System.

Find an NMLS number

Still have questions?

If you can’t find what you’re looking for, let us know. We’re ready to help in person, online or on the phone.
800-562-6871
Mon to Fri: 8:00 a.m.–7:00 p.m. ET
Saturday: 8:00 a.m.–2:00 p.m. ET

DISCLOSURES

1 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.

2 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% loon 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 states where Huntington Bank maintains a retail banking presence, known as Footprint States. Not available in all states. Contact us to confirm eligibility.

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.