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An FHA insured loan (Federal Housing Administration) is a loan backed by the U.S. Department of Housing and Urban Development (HUD). Not only are FHA home loans a viable option for many Texas first time home buyers, they are even a great loans for step up buyers. Although FHA loans are government-backed, they are not exclusively for grant or down payment assistance. Lenders make these loans to home buyers and follow HUD guidelines. Some lender impose thier own extra guidelines to the HUD rules a