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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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June 17, 2019
FHA Rates for June 17, 2019
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2019 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 2019, the FHA floor was set at $314,827 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
$314,827 $403,125 $487,250 $605,525

Also for 2019, the FHA ceiling was set at $726,525 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
$726,525 $930,300 $1,124,475 $1,397,400

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FHA Loan Articles and Mortgage News

What's the Home You're Buying Really Worth?

April 27, 2019 - It’s easy to wonder, in the process of buying your first home, whether the price you are being asked to pay is over-inflated or not. First-time home buyers sometimes (and sometimes rightfully so) fear being ripped off by exaggerated prices in their chosen housing market.

Tips for Buying Your First Home With an FHA Mortgage

April 24, 2019 - First-time home buyers looking for just the right home have plenty of details to consider when looking at real estate. Do you know what to look for when house hunting or what to tell a real estate agent to find the perfect first home?

FHA Condo Loans for Self-Employed Borrowers

April 13, 2019 - FHA condo loans allow financially qualified borrowers to apply for maximum financing of 96.5% and a 3.5% down payment. FHA loan minimums permit maximum financing and the lowest down payment for those with FICO scores 580 or higher.

FHA.com Reviews

FHA.com is a one-stop resource for homebuyers who want to make the best decisions when it comes to their mortgage. With our detailed, mobile-friendly site, individuals can access information about different FHA products, the latest loan limits, and numerous other resources to make their homebuying experience easier. Take a look at some of the reviews from other FHA.com visitors!