Basics
Can FHA be used for a second home?
Short answer
Generally no. FHA is a primary-residence program. Second homes and vacation properties are typically conventional or jumbo.
Plain-English explanation
FHA requires the borrower to occupy the property as a primary residence, typically within 60 days of closing. A pure second home does not meet that standard.
What can change the answer?
FHA program rules can change, lender overlays vary, and your specific file (credit, income, property, occupancy) drives the actual answer.
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
More FHA questions on Basics
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.