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The FHA loan limit varies depending on the cost of the area. FHA loan limits can change based on factors including average area home prices. Check with your lender to confirm the current FHA loan limit amounts.

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January 20, 2020
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FHA.com is a privately owned website, is not a government agency, and does not make loans.

What is the FHA Loan Limit?

FHA Common Question #24

The FHA loan limit varies depending on the cost of the area. FHA loan limits can change based on factors including average area home prices. Check with your lender to confirm the current FHA loan limit amounts. Remember that loan limits increase with the number of units. A multi-unit home will qualify for a higher rate, but those FHA loan limits are subject to the same factors as single unit homes.

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FHA Loan Articles and Mortgage News

FHA Home Loan Costs to Save for in 2020

January 15, 2020 - If you've already started saving for your down payment, your appraisal, compliance inspections, and other costs, you’re well ahead of the game. Those who haven’t started truly planning and saving may feel a bit lost when trying to get ready for the loan. 

FHA Home Loan Tips for Buying Multi-Unit Homes

January 12, 2020 - FHA loan rules include the ability for borrowers who intend to be owner-occupiers to buy multi-unit properties. For an FHA loan on a multi-unit home to be approved, the borrower must occupy at least one unit. FHA home loans are for primary residences only.

Applying for a One-Time Close Construction Loan in 2020

January 9, 2020 - FHA One-Time Close construction loans are intended to help those who want to own and occupy a home to build from the ground up on their own land. There is also a VA loan equivalent to the FHA construction loan that, starting in 2020, features no down payment.

Mold-Related Issues and FHA Loans

January 8, 2020 - FHA home loan issues can and do include mold. Not every home for sale is a new construction house presumably built free of mold, some houses may require extensive mold abatement depending on age, environmental factors, and related issues.

FHA Loan Limits for 2020: Going Up in a Housing Market Near You?

January 7, 2020 - FHA loan guaranty limits are higher again in 2020. This comes after last year’s increase in loan limits and a fairly good year for mortgage interest rates. FHA loans have loan guaranty limits that help establish the maximum loan possible for a given market.