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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 Rates for January 26, 2021
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FHA.com is a privately owned website, is not a government agency, and does not make loans.

2021 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 2021, the FHA floor was set at $356,362 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
$356,362 $456,275 $551,500 $685,400

Also for 2021, the FHA ceiling was set at $822,375 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
$822,375 $1,053,000 $1,272,750 $1,581,750

FHA Loan Requirements

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FHA Loan Articles and Mortgage News

Five FHA Loan Tips for the New Year

January 1, 2021 - Whether you’re looking at a starter home or you want to build a house on your own lot to retire in, there are many options with FHA mortgages and not all of them involve purchasing someone else’s suburban house; you can choose from condo units, mobile homes, and more.

FHA and HUD Explain Higher Loan Limits in 2021

December 16, 2020 - On December 2, 2020, the FHA and HUD issued a press release announcing higher FHA mortgage loan limits for applicants seeking FHA mortgages with FHA case numbers assigned on or after January 1, 2021. Those with home loans in the new year get higher loan guaranty limits.

FHA and HUD Announce 2021 FHA Loan Limits

December 14, 2020 - There is good news for those seeking FHA home loans in 2021. Most borrowers will find their FHA loan limits for 2021 have increased over the previous year. These loan limits apply for FHA mortgages with case numbers assigned on or after 1 January 2021.