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

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

FHA Loan Requirements

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FHA Loan Articles and Mortgage News

FHA Loan Limits: Facts You Should Know

September 21, 2020 - What facts do you need to know about FHA home loan limits? Facts such as FHA loan limits may vary depending on county and that FHA mortgage limits are higher in high-cost areas like  California, New York, and Hawaii?

Finding the FHA Loan Limits in Your Area

August 24, 2020 - FHA home loans feature loan guaranty limits which are established by county. These limits, subject to change every year, establish the FHA loan limits for high-cost counties, low-cost counties, and an average which is what many borrowers will likely experience across the country.

Frequently Asked Questions About FHA Loan Limits

August 4, 2020 - There are some common questions about FHA home loan limits for the Single Family Mortgage program. Do you know what the home loan limit is in your area or how it affects your mortgage transaction?