Assuming that you already have the vsftpd installed and configured, to create a new ftp user with an home directory you just need to use this commands.
The first thing you need to do is to create an FTP root directory:
# mkdir <path_directory>
Then you should create an user and make the <path_directory> the user’s home directory:
# useradd -d <path_directory> <ftp_new_user>
Then add a password to the newly created user
# passwd <ftp_new_user>
Add <path_directory> permissions:
# chown <ftp_new_user> <path_directory>
# chmod 0744 <path_directory>
Restart the server:
# /etc/init.d/vsftpd restart
And it’s done!
Now you can access to this ftp account using the <ftp_new_user>