Quantcast

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

The most recognized 3.5% down payment mortgage in the country. Affordable payments w/good credit.

Are You Watching Your Credit Score?

NOTICE: Some FHA mortgage lenders are substantially raising FICO score requirements during the Coronavirus crisis, even though FHA minimums remain unchanged.


- Improving Your Credit Score Has Never Been More Important -

Get started one
Get started two
Get started three
Get started four
FHA.com is a privately owned website, is not a government agency, and does not make loans.

Choose a Loan Type

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

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

SEE YOUR CREDIT SCORES   From All 3 Bureaus  

Do you know what's on your credit report?

Learn what your score means.


GET STARTED

FHA Loan Articles and Mortgage News

How FHA Loan Limits Work

July 30, 2022 - FHA loan limits increased this year for many counties in the United States. Mortgage limits are calculated based on the median house prices in accordance with HUD 4000.1. FHA’s single family mortgage limits are set by Metropolitan Statistical Area and county and are published periodically. 

One-Time Close Construction Loans in Florida

July 11, 2022 - One-Time Close construction loans backed by 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 $397,000 for second quarter of 2022, which has increased in one year by 34.58%.

FHA / VA One-Time Close Construction Loans in Texas

July 6, 2022 - FHA / VA One-Time Close construction loans are popular for those looking to build a new home in Texas. Zillow® reports the TX medium home values near $313,000 for the year-to-year period ending in June of 2022, which is an increase of 24.21%.