The FHA programs most borrowers—and many loan officers—never hear about.
FHA is much more than a standard 203(b) purchase loan. Disaster victims, borrowers improving energy efficiency, buyers on Hawaiian Home Lands or Indian restricted lands, manufactured-home buyers and seniors can fall under specialized FHA/HUD programs.
Special-program knowledge tree
203(h) Disaster Victims
100% financing for qualifying victims whose homes were destroyed or severely damaged in a Presidentially declared disaster.
Energy Efficient Mortgage
Finance qualifying energy-efficiency improvements with an FHA-insured mortgage.
Section 251 ARM
FHA adjustable-rate mortgage structures and consumer safeguards.
Section 245(a)
Graduated Payment and Growing Equity concepts for borrowers expecting income growth.
Sections 247 & 248
FHA insurance on Hawaiian Home Lands and Indian reservations/restricted lands.
HUD 184 & 184A
Native American and Native Hawaiian loan guarantees—HUD programs, but not FHA Section 248.
FHA Title I
Manufactured-home/lot financing and property-improvement loans under a separate FHA insurance authority.
HECM Reverse Mortgage
FHA's reverse-mortgage program for eligible homeowners age 62+.
Section 223(e)
Special FHA insurance authority for properties in certain older, declining urban areas.
Official program sources
Primary sources are HUD/FHA program pages and Handbook 4000.1. Program availability and lender participation can be narrower than statutory eligibility, so a program's existence does not mean every FHA lender offers it.