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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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August 18, 2019
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FHA.com is a privately owned website, is not a government agency, and does not make loans.

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.

How FHA Home Loans Can Help You

June 15, 2019 - The FHA home loan program offers consumers a government-backed home loan designed to be more affordable than comparable conventional mortgages-there is a lower down payment requirement and credit terms can be more forgiving, too.

What You Need to Know About Buying a Home

June 13, 2019 - There are things you can do as a new house hunter to make your life easier before you commit to purchasing your first home. Do you know what to expect when you start your home loan journey? Take some steps to find out what the process is like before you start looking for a house to buy.

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!