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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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December 6, 2019
FHA Rates for December 6, 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

FHA Home Loans - What's the Maximum You Can Borrow?

June 23, 2019 - FHA home loan rules establish guidelines for maximum loan amounts for FHA new purchase real estate loans as well as for FHA refinance loans. What follows is a discussion of these guidelines. FHA loan guaranty limits for these areas vary based on a variety of factors.

Reasons to Refinance Your Home Loan Now

June 21, 2019 - FHA refinance loans are for single-family, owner-occupied residences used as a borrower’s home. Your original home loan may not be an FHA mortgage, but you can still refinance your existing non-FHA mortgage into an FHA home loan.

One-Time Close Construction Loans in Texas

June 20, 2019 - FHA / VA / USDA One-Time Close construction loans are an important option to consider for those looking to build  a new home in Texas. Texas home values have gone up 5.6% over the past year and Zillow predicts they will rise 4.0% within the next year.