FHA loans allow lower down payments (3.5% with 580+ credit) and are popular with first-time DMV buyers.

Loan limits are set by county — check current FHA limits for Fairfax, Montgomery, and DC; they are higher than many regions.

FHA requires mortgage insurance for the life of the loan unless you refinance later.

The home must pass FHA appraisal standards — older homes with deferred maintenance may need repairs before approval.