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FHA mortgage lending limits for 2022 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.

FHA Loan Programs for 2022

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2022 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 2022, the FHA floor was set at $420,680 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)
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150

Also for 2022, the FHA ceiling was set at $970,800 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
$970,800 $1,243,050 $1,502,475 $1,867,275

FHA Loan Requirements

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FHA Loan Articles and Mortgage News

FHA Home Loan Questions and Answers: 5 Things to Know

May 10, 2022 - Buying a home involves many small details and first-time homebuyers often have to resort to checklists or other means to keep everything organized. What do you need to know at the start of your first home buying journey?

FHA One-Time Close Construction Loan Limits: Higher in 2022

April 18, 2022 - Do you want to build a home from the ground up? You can do this with low down payment requirements with an FHA One-Time Close Construction Loan. And construction loan borrowing power has increased in 2022 because FHA loan limits have increased from the previous year.

Why Did FHA Loan Limits Increase for 2022?

December 12, 2021 - FHA loan limits for purchase loans and reverse mortgages have been announced for 2022. The limits are increasing for the third year in a row and while some 45 areas in the USA may see no increase or decrease at all, many others will experience higher loan limits.