ABA Routing and Transit Number # 236084298

FHA Mortgage

The American dream can be yours

Everyone dreams about owning a home, a place to settle down and raise a family and to call your very own. But not everyone knows how easy it is to qualify. If you are a first-time homebuyer, have less than perfect credit or are looking for a low down payment loan, an FHA loan may be right for you.

An FHA mortgage is a government-backed loan. Insured by the Federal Housing Administration (FHA), an FHA loan has less stringent credit requirements than a conventional loan, and lower down payments (sometimes as low as 3.5%). With historically low rates, now is a great time to take steps toward homeownership.

Key Features and Benefits

  • Down payments as low as 3.5%
  • Fixed or adjustable rate loans are available
  • Seller can assist with up to 6% of purchase price toward closing costs
  • All funds for your closing costs can be from a gift
  • Non-traditional credit considerations (on-time rent, utility and insurance payments)
  • Available for primary residences in PA, NJ, DE & MD.

Buying a home?

  • FREE Home Buyer Seminars
  • Realtors® you can trust
  • Homeowners Insurance
  • And More

Visit PFCU's Real Estate Center today!

Click here to:

  • Apply for an FHA Mortgage
  • Access an existing FHA Mortgage
  • Check rates for an FHA Mortgage

Mortgage Comparison

  Conventional Mortgage FHA Mortgage

Down Payment

  • 5%
  • Must have available funds.
  • 3.5%
  • All of the funds can be a gift from a family member.

Minimum Credit Score

Varies by loan program; more stringent credit requirements Varies by loan program; less stringent credit requirements 


Rates are determined by the lender based on guidelines/credit criteria. Rates are determined by the lender based on guidelines/credit criteria.

Mortgage Insurance

Private Mortgage Insurance is required with less than 20% down. Upfront mortgage insurance premium can be added into the loan + monthly mortgage insurance premium.


Can be primary, investment, or secondary residence Primary residence only

Sellers Assistance

Seller can assist with closing cost up to 6%. Seller can assist with closing cost up to 6%.

Property Locations

In all 50 states  PA, NJ, DE, & MD


 10 - 30 years (5 year increments) Up to 30 years

Loan Limits

Up to $417,000 Loan limits vary based on # of units, county, etc.

Products Offered

Fixed Conventional & 5/1 ARM (Adjustable Rate Mortgage) Fixed & ARM Programs

To find out how much you can afford for your next mortgage, visit our mortgage loan calculator.

Talk with a mortgage professional.

Call our Mortgage Department at 215-934-3505 to talk with a PFCU Mortgage Professional.

Easy to apply

*Available in PA, NJ, DE & MD. Not available in FL. If you are applying for a purchase or refinance, an application fee will be collected to cover the cost for a credit report. This fee will be credited toward closing costs. We will accept your application online even if you are not currently a member. However, all borrowers on the application will be asked to qualify for membership. Prior to your loan closing, you will be asked to open a qualifying account. Residency restrictions apply.

Equal Housing Opportunity logo

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Click here to view the full HUD Statement.

Real Estate Center

More than a mortgage. We can set you up with a real estate agent you can trust. Plus find insurance, seminars and more.

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FREE Credit Counseling

Helping you bring BALANCESM to your life.

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CU Realty

PFCU can help with every stage of home buying. Real estate agents you can trust.

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Don’t get hooked by phishing or any other scam – we're here to help.

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FREE Home Buying Seminar

Tips and tricks to make the process go smooth, from people you can trust.

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Credit Report

Help understanding and managing your credit

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