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The FHA does set limits on the amount you can get on an FHA mortgage loan. If you find that mortgage loan limits in a nearby county are more competitive, you may wish to consider buying a home in the area with the higher limit.

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October 21, 2019
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FHA.com is a privately owned website, is not a government agency, and does not make loans.

Are There Limits to FHA Mortgage Loans?

FHA Common Question #23

The FHA does set limits on the amount you can get on an FHA mortgage loan. These limits are individually set in each county and state within the United States. You can view an itemized list of the limits at HUD.

FHA mortgage loan limits are based upon the Fannie Mae/Freddie Mac limits on regular mortgage loans. They are set according to the type of home-single family, plus two, three and four family dwellings. FHA mortgage loan limits may vary between counties. Check with your lender to get a detailed list of the differences in your area.

If you find that mortgage loan limits in a nearby county are more competitive, you may wish to consider buying a home in the area with the higher limit. For many people this won't be a consideration, but if you live on the edge of one county the difference in the limits may offer an advantage.

NEXT:  What is the FHA Loan Limit?

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