The FHA Single-Family Insurance Program: Performing a Needed Role in the Housing Finance Market

In laying out the Federal Housing Administration's (FHA's) mission in the single-family mortgage market and in presenting its historical role in meeting immediate and emerging challenges over its history, this paper serves as a useful foundation for considering FHA’s future role in housing finance as both institutional and regulatory reforms are debated.

Research Report for Importance of Mortgage Downpayment as a Deterrent to Delinquency and Default as Observed in Black Knight (McDash) Servicing History

This study was contracted to examine the effectiveness of mortgage down payment as a deterrent to delinquency and default.

Temporary Loan Limits as a Natural Experiment in FHA Insurance

Section 203 of the National Housing Act of 1934 created the Federal Housing Administration (FHA) to provide federally backed insurance of home mortgages against the risk of default. FHA insurance typically serves borrowers with higher perceived credit risk, including first-time homebuyers and minority borrowers.

Literature Review: The Credit-Enhancing Functions of Downpayment and Downpayment Substitutes

In this study a literature review was contracted to examine the various credit enhancing roles of down payment and the respective qualitative and quantitative importance of mortgage down payments of varying sizes.

FHA Loan Limits and County Land Area

This study, directed by Congress, examines the impact of the expiration of the Economic Stimulus Act of 2008 (ESA) on the single-family mortgage insurance program on the Federal Housing Administration (FHA).