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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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February 23, 2019
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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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FHA.com Reviews

FHA.com is a one-stop resource for homebuyers who want to make the best decisions when it comes to their mortgage. With our detailed, mobile-friendly site, individuals can access information about different FHA products, the latest loan limits, and numerous other resources to make their homebuying experience easier. Take a look at some of the reviews from other FHA.com visitors!