FHA mortgage lending limits for 2023 vary based on a variety of housing types and the state and county in which the property is located. FHA loans are designed for 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.

2023 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 2023, the FHA floor was set at $472,030 for single-family home loans. This minimum lending amount covers most U.S. counties. The FHA ceiling represents the maximum loan amount and is illustrated in the table below.

FHA Limits (low cost areas)
SingleDuplexTri-plexFour-plex
$472,030$604,400$730,525$907,900

Also, for 2023, the FHA ceiling was set at $1,089,300 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)
SingleDuplexTri-plexFour-plex
$1,089,300$1,394,775$1,685,850$2,095,200

FHA Loan Requirements

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FHA Loan Articles and Mortgage News

How Much Money Can I Borrow With an FHA Mortgage?

August 11, 2023 - How much can you borrow using an FHA mortgage? The actual amount is informed in part by FHA loan limits for the area you want to buy the home in, by the appraised value of the home, and by how much of a down payment you may be required to make.

Utilizing FHA and VA One-Time Close Construction Loans in Florida

July 14, 2023 - One-Time Close construction loans backed by the FHA or VA are popular for those building a new home on their own lot in Florida. Zillow® reports the FL medium home value as $390,856 for the second quarter of 2023.

More Texans Build Homes With FHA and VA One-Time Close Loans

July 3, 2023 - One-Time Close construction loans are popular for those looking to build a new home on their own lot in Texas. Zillow® reports the TX medium home value as $303,971 for the year-to-year period ending in the second quarter of 2023.