The Federal Housing Administration increased the loan limits for 2024 in 3,338 counties across the country in order to keep up with escalating home prices. FHA limits inform borrowers of the maximum allowable loan amount available to purchase a home for every county.

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FHA Loan Requirements

Lower Standards for Credit Scores and Down Payments

Whether you're a first-time homebuyer, moving to a new home, or want to refinance your existing conventional or FHA mortgage, the FHA loan program will let you purchase a home with a low down payment and flexible guidelines.

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FHA loan limits were established to define how much you can borrow for a HUD-backed mortgage. Each state has different limits, so be sure to look up your state to understand what is available for your FHA home loan.

For 2024, the FHA floor was set at $498,257 for single-family home loans. This minimum lending amount covers most U.S. counties. The FHA ceiling represents the maximum loan amount and is illustrated in the table below.

FHA Limits (low cost areas)
SingleDuplexTri-plexFour-plex
$498,257$637,950$771,125$958,350

Also for 2024, the FHA ceiling was set at $1,149,825 for single-family home loans. This represents the highest amount that a borrower can get through the FHA loan program. It applies to high cost areas in the United States and is illustrated in the table below.

FHA Limits (high cost areas)
SingleDuplexTri-plexFour-plex
$1,149,825$1,472,250$1,779,525$2,211,600

Paying the upfront costs of buying a new home can be challenging. To help overcome this hurdle, many local and state agencies offer down payment assistance in the form of grants or second mortgages.

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FHA Loan Articles and Mortgage News

Don't Do These Things Before Closing Day

February 24, 2024 - Some people wrongly assume that they’re safe once approved for an FHA home loan and start the process toward closing day. They feel that once the loan has been approved, the transaction is bulletproof until closing day. But that’s not true.

Learn About Adjustable Rate Mortgages

February 23, 2024 - If you are concerned about mortgage loan interest rates and decide to explore your options with an FHA adjustable rate mortgage, there are some details to know about these loans before you start. Borrowers are required to make a minimum down payment of 3.5%.

Building a Home in Texas with FHA / VA One-Time Close Construction Loans

February 22, 2024 - One-Time Close construction loans are popular for those looking to build a new home on their own lot in Texas. Zillow reports the TX medium home value as $296,582 for the period ending January, 2024.  

Waiting Periods Before Applying for Your FHA Loan

February 21, 2024 - Borrowers who have missed mortgage payments or rent payments went from salary to contractor status, and those who have filed for bankruptcy may all have to build in some extra time before applying for a mortgage. We examine some common scenarios below.

How Much Does My Home Loan Cost?

February 20, 2024 - We typically encourage house hunters to aggressively compare lenders and loan options. But what about the steps before all that, when you are comparing costs and trying to make a budget for buying your new home?

FHA Home Loan Rules You Should Know

February 19, 2024 - Do you know what to do if the appraisal comes in lower than the sale price? Or whether you can rent out an unused living unit in the home you buy with an FHA loan? These are important things to know when you are planning and saving for your mortgage.

Differences Between VA, FHA, and USDA Mortgages

February 18, 2024 - There are three important government-backed mortgage loan options borrowers can choose from when comparing home loans. Many people are new to these programs and their nuances at first, here’s what you need to know as a first-time home buyer reviewing these loans.

Adding Things to Your FHA Loan

February 15, 2024 - While add-ons to your FHA home loan can drive up the monthly payment, that’s a good trade-off for saving money upfront for some borrowers. For others, higher monthly payments are to be avoided. If that describes you, avoid adding on to your loan wherever possible.

Using Escrow for Your FHA Loan

February 14, 2024 - You may wonder why your loan officer might require you to use an escrow account. Escrow is an agreement between you and the lender through which a third party holds an asset or money on behalf of two other parties that are in the process of completing a transaction.

You Can Buy a Condo Unit With an FHA Mortgage

February 12, 2024 - What do you need to know about how to buy a condo unit with an FHA mortgage? There are exceptions for condos that did not get FHA-required approval, which may be handled on a case-by-case basis. Ask the lender about this issue early in the loan process.

If you’re getting ready to shop around for mortgage options, it’s a good idea to brush up on some of the technical terms in our Mortgage Glossary. You’re going to be hearing a lot of them!