--- title: "House-Hacking a Duplex with FHA | Ondo Real Estate | Ondo RE" canonical: https://www.ondorealestate.com/blog/house-hacking-duplex-with-fha/ --- # House-Hacking a Duplex with FHA You live in one unit. That occupancy is the product. A vacant investment duplex is not FHA. [Home](/)[Learn](/learn/)Loan ProgramsLoan Programs Educational [← Mortgage learning hub](/learn/) House-hacking a duplex with FHA means you buy a two-unit property and occupy one unit as your principal residence. The other unit’s rent may help qualify. It is not an FHA investment loan, and it is not a promise that any duplex in Utah will fit this year’s county limit. Snapshot as of 2026-08. ## Occupancy is the product rule FHA 1–4 unit purchases are principal-residence occupancy: a borrower occupies one unit as a home. Treating the duplex as a pure investment while using FHA is not an allowed occupancy type. Move-in timing is a program rule (often within 60 days of closing — confirm the handbook in force), not a slogan. Primary residence (with limited exceptions). If you will not live there, look at [occupancy types](/blog/second-home-vs-investment-occupancy/) and [DSCR vs full-doc](/blog/dscr-vs-full-doc-rental-loan/) instead of relabeling the file. If you already occupy a home and the new house will be rented, that is [first-rental occupancy](/blog/first-rental-occupancy-if-you-still-live-there/) — not this duplex house-hack. ## Duplex vs 3–4 units HUD’s self-sufficiency test applies to three- and four-unit properties, not to a typical two-unit (duplex). A duplex can still use a rental-income worksheet on the unit you will not occupy. “No self-sufficiency test” is not “no underwriting.” FHA 2-unit vs 3–4 unit as of 2026-08. Confirm HUD 4000.1.Question[2-unit (duplex) you occupy](/loans/fha/)[3–4 unit you occupy](/loans/fha/) OccupancyPrincipal residence: you occupy one unit as your home.Same occupancy rule. FHA is not an investment-occupancy purchase on 3–4 units either. Self-sufficiency testDoes not apply to a typical two-unit. A rental-income worksheet on the other unit still can.Applies. Adjusted market rent on all units must cover the proposed PITIA per HUD’s current handbook. Loan limitsFHA county loan limits are higher for 2-unit properties than for 1-unit in the same county. Look up this year’s HUD table for the property county. Do not treat a blog dollar figure as the limit.3- and 4-unit FHA limits are a different HUD column for the same county. Look them up. Do not memorize a blog dollar figure. Educational snapshot. Appraiser market rent, not a listing screenshot, drives the worksheet. ## Limits change; do not memorize a dollar figure FHA county loan limits are published annually by HUD and differ from FHFA conforming limits. Look up the current HUD table for the property county. Do not treat a number on a marketing page as the limit that will apply to your file. Two-unit limits are a different column from one-unit on HUD’s table. Confirm the property county before you write an offer as if last year’s number still applies. Down payment and MIP still follow FHA rules: 3.5% down at 580+ under HUD policy (overlays often sit higher). Compare [FHA vs conventional](/blog/fha-vs-conventional-loans-utah/) and [how MIP vs PMI ends](/blog/mip-vs-pmi-how-mortgage-insurance-ends/). ## This is usually not a condo file A side-by-side or up-down duplex on its own parcel is not a condo. HUD’s condominium project roster applies to condo projects, not to a typical two-unit house. If the building is actually a condo regime, then project approval is a different file. The [FHA condo roster guide](/blog/fha-condo-roster-project-approval/) is for condominium projects, not a typical duplex on its own parcel. ## Is this program a fit for the file? Use this as a map of typical overlays, not a score. A loan officer still has to apply the guide that is in force for your product and your documentation. Typical program differences as of 2026-08. Confirm current published rules.Question[Conventional](/loans/conventional/)[FHA](/loans/fha/) Credit (typical overlay, not a promise)620 (overlays often higher)HUD allows 580+ for 3.5% down and 500–579 with 10% down. Many lenders set higher overlays. A 500 score is not a promise that a file will be originated. Down payment / equitySome first-time and low-down conventional products start around 3% down for eligible borrowers.3.5% down at 580+ under HUD policy; overlays often sit higher. 10% at 500–579. OccupancyPrimary, second home, and investment — each with different pricing and overlays.Primary residence (with limited exceptions) Property type1–4 units, condos and PUDs when the project meets investor rules.1–4 units as a primary. Condos need FHA project approval. HUD minimum property standards apply. MIP / PMI / funding fee / guarantee feeConventional PMI can usually be removed once the loan reaches the investor’s equity threshold (commonly 20% based on original value, or by a new appraisal under the program rules).Upfront MIP 1.75% of the base loan amount (often financed). Annual MIP is a range that depends on term, loan amount, and LTV. It is not a single published percent for every file. Life-of-loan MIP is common below 10% down. Loan limitsFHFA conforming limit for the property county. Look up this year’s table.HUD FHA county limit. Different table from FHFA. Look up the property county. Program rules, fees, and county loan limits change. Confirm the current published schedule and lender overlays. Nothing here is a quote, a lock, or a credit decision. ## What happens next - Confirm you will occupy one unit as your home — that is the occupancy question, not a slogan. - Look up this year’s HUD 2-unit limit for the county. Do not reuse a blog dollar amount. - Bring leases or ask how proposed rent on the other unit is counted. Existing rentals you already own still use [Schedule E](/blog/schedule-e-rental-income-purchase-file/). ## Common questions ### Does the FHA self-sufficiency test apply to a duplex? ### Can I use FHA if I will not live in either unit? ## Keep going [FHA loans in Utah Low down payment, MIP, gift funds, and credit overlays for Utah primary-residence buyers.](/loans/fha/)[Investment property financing: DSCR, occupancy, and house-hacking DSCR vs full-doc rental qualification, occupancy types, cash-out to buy a rental, and FHA duplex house-hacks. Informational only — not occupancy coaching.](/learn/investment/)[Second Home vs Investment Occupancy Primary, second home, and investment are different occupancy types with different pricing. Misstating occupancy is fraud, not a strategy. Educational only.](/blog/second-home-vs-investment-occupancy/)[First Rental: Occupancy If You Still Live in Your Home If you keep occupying your current home, the rental you buy is typically investment occupancy. Distinct from a duplex house-hack. Not occupancy coaching.](/blog/first-rental-occupancy-if-you-still-live-there/)[Manufactured Housing and ADU Financing Manufactured homes and accessory dwellings are different property types. Confirm the handbook in force — no invented HUD codes as a permanent product.](/blog/manufactured-housing-adu-financing/)[FHA vs Conventional Loans in Utah: Which Is Right for You? Side-by-side comparison of FHA and conventional mortgages for Utah buyers: down payment, mortgage insurance, credit, and stay-vs-refinance scenarios.](/blog/fha-vs-conventional-loans-utah/) ## What to do next Education first. A conversation with a loan officer is how you find out what may actually fit your file. [FHA loans in Utah](/loans/fha/)[Start a mortgage conversation](/qualify/) Loan information is provided by Ondo Real Estate (NMLS ID on file). This is not a commitment to lend, a loan approval, or an offer of credit. Rates, terms, and payments shown are estimates for illustration only, are not a quote, and are subject to credit approval, underwriting, and market conditions. You are not required to use Ondo for financing to buy or sell with Ondo. Equal Housing Lender. Program rules, fees, and county loan limits change. Confirm the current published schedule and lender overlays. Nothing here is a quote, a lock, or a credit decision. [Licensing and disclosures](/licensing/)