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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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January 27, 2020
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2020 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 2020, the FHA floor was set at $331,760 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
$331,760 $424,800 $513,450 $638,100

Also for 2020, the FHA ceiling was set at $765,600 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
$765,600 $980,325 $1,184,925 $1,472,550

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FHA Loan Articles and Mortgage News

FHA Loan Down Payments: What You Need to Know

November 25, 2019 - Many people are interested in applying for an FHA mortgage to buy or have a home built for them on their own land. But the down payment question about these loans is a big one for many potential house hunters.

Best Advice for Buying a Home

November 18, 2019 - Are you looking for the best advice for buying a home? There is a lot of information out there, but some of the most useful advice is often overlooked. Make sure you consider home affordability and compare prices of similar homes in the area where you want to live.

What Can Sellers Help You at Purchase Time?

October 25, 2019 - If you are buying a home with an FHA mortgage, your seller may be able to help thanks to a rule that permits the owner of the home to contribute up to six percent of the sale price of the home (but no more) toward approved closing costs.