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FHA purchase share for nonpermanent residents falls after rule shift

The FHA share of home purchases by nonpermanent residents fell from 5.8% to 0.1% after a HUD residency-rule change in May 2025, according to ICE data reported by HousingWire.
3 min read · Latvia Realty Editorial
A residential street in the United States, where FHA financing rules have changed for nonpermanent residents
A residential street in the United States, where FHA financing rules have changed for nonpermanent residents

The Federal Housing Administration’s share of purchase lending to nonpermanent residents has dropped sharply since a US Department of Housing and Urban Development rule change in May 2025.

ICE data shows that FHA-backed purchases accounted for 5.8% of home purchases by this group before the policy shift. That share subsequently fell to 0.1%, according to HousingWire’s report on the FHA residency rule change.

The figures describe FHA’s share of purchases among nonpermanent residents, rather than the total number of homes bought or loans issued. They nevertheless show a substantial change in the role of FHA financing for this category of borrower after the revised rule took effect.

For Latvian property professionals and internationally mobile buyers, the data concerns the US mortgage market and FHA-backed lending. It does not alter lending rules in Latvia, but illustrates how residency-based eligibility changes can quickly reshape access to a specific source of housing finance.

Source: HousingWire