We can't promise what FHA changes or when. The area most worth watching is mortgage insurance. Some history explains why. FHA monthly mortgage insurance used to cancel automatically once the loan amortized down to a set share of the original value, around the 11-year mark for many borrowers. After the financial crisis left the FHA insurance fund badly underfunded, that ended. For case numbers assigned since June 2013, a loan with less than 10 percent down carries monthly mortgage insurance for the life of the loan, and only refinancing out of FHA removes it. The fund's health has swung strongly the other way since, which is why many expect eventual relief: a cut to the upfront premium (1.75 percent of the base loan amount for years now; confirm the current figure), a lower monthly premium, or a return of cancellation for borrowers who put more down. Two grounding points. Changes like these have historically applied going forward, tied to a new FHA case number, so don't expect retroactive relief on an existing loan. And nobody can promise a timeline, so we wouldn't delay a sound purchase waiting on it.