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, or USDA Loan?

VA Mortgage Closing Cost Discount

Huntington offers Department of Veterans Affairs (VA) loans. As our way of saying thanks, we’re also offering additional discounts to those who have served or are currently serving our country, we are waiving 100% of Huntington closing costs up to $5,500 on VA loans applied for May 1, 2025 through May 31, 2025.

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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, or 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 mobile device.

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.

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, Huntington will waive up to $5,500 in certain Huntington-required closing costs. If the total Huntington closing costs exceed $5,500, the borrower will be responsible for the remaining amount. 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. 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., North Carolina, South Carolina.

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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