FEDERAL HOUSING AUTHORITY ACT
Act · Land & Housing
An Act establishes the Federal Housing Authority to plan, finance, and develop housing estates across Nigeria. It targets low and medium income Nigerians seeking affordable homes. This reduces the housing deficit and makes home ownership more accessible.
FEDERAL HOUSING AUTHORITY ACT
What Is This Policy?
An Act establishing the Federal Housing Authority (FHA) to plan, finance, and develop housing estates across Nigeria, making affordable housing available to Nigerians especially at low and medium income levels.
Who Does It Target?
Low and medium income Nigerians seeking affordable housing Real estate developers working with FHA State governments partnering on housing programmes Federal Ministry of Works and Housing
What Does It Aim to Achieve?
Reduce Nigeria's housing deficit by developing large-scale residential estates, providing affordable housing finance, and making home ownership accessible to more Nigerians.
Key Features
Estate Development: FHA develops residential estates in all states, providing completed units for sale or rent. Mortgage Finance: Partners with FMBN and PMIs to provide mortgage finance for FHA properties. Land Acquisition: FHA may acquire land for housing development with appropriate compensation. Building Standards: FHA ensures that all its developments meet prescribed building and planning standards.
Current Status
Rollout Stage: Active — FHA is developing estates nationwide Coverage: All 36 states and FCT Beneficiaries: Home buyers; low and medium income Nigerians Funding: Federal Government capitalisation; mortgage finance; sales proceeds
How to Access
Apply to purchase or rent FHA properties through FHA offices Mortgage applications processed with FMBN-approved PMIs Prove income and creditworthiness for mortgage-financed purchase Application method: Enquire at FHA headquarters or state offices at https://www.fha.gov.ng
Important Terms
FHA properties must be occupied by the purchaser — not for speculation Resale of FHA properties within a defined period may require FHA approval FHA estates have estate management obligations on residents
Official Resources
Website: https://www.fha.gov.ng Contact: Federal Housing Authority (FHA)
Legal Framework
Enacted under the legislative powers of the National Assembly as the Federal Housing Authority Act (Cap F19 LFN 2004). Operates alongside the Land Use Act 1978, the National Housing Fund Act, the Federal Mortgage Bank of Nigeria Act, and the National Housing Policy. Aligns with the UN-Habitat Sustainable Development Goal 11 on sustainable cities and the African Union Agenda 2063 on affordable housing for all Africans.