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FHA mortgage lending limits vary based on a variety of housing types and the state and county in which the property is located. FHA loans are designed for low to moderate income borrowers who are unable to make a large down payment.

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January 20, 2020
FHA Rates for January 20, 2020
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2020 FHA Limits

Lending Limits for FHA Loans in Your State

The FHA has a maximum loan amount that it will insure, which is known as the FHA lending limit. These loan limits are calculated and updated annually, and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. The type of home, such as single-family or duplex, can also affect these numbers.

For 2020, the FHA floor was set at $331,760 for single-family home loans. This minimum lending amount covers 80% of all U.S. counties. The FHA ceiling represents the maximum loan amount and is illustrated in the table below.

FHA Limits (low cost areas)
Single Duplex Tri-plex Four-plex
$331,760 $424,800 $513,450 $638,100

Also for 2020, the FHA ceiling was set at $765,600 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)
Single Duplex Tri-plex Four-plex
$765,600 $980,325 $1,184,925 $1,472,550

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FHA Loan Articles and Mortgage News

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.

HUD Announces Higher FHA Loan Limits for 2020

December 18, 2019 - The Department of Housing and Urban Development has released the FHA loan limits for 2020. There was an overall increase in the FHA loan limit for many counties. Only 11 jurisdictions saw an FHA loan limit rate decrease.

FHA Loan Down Payments: What You Need to Know

November 25, 2019 - Many people are interested in applying for an FHA mortgage to buy or have a home built for them on their own land. But the down payment question about these loans is a big one for many potential house hunters.