Learn about FHA maximum loan limits.

FHA Loan Limits

One of the questions most frequently asked by borrowers investigating FHA loans as an option is, “How much can I borrow?”  Unfortunately the answer is not cut and dry.  The real answer is that it depends on where you live.

FHA Loan Limits Differ By Region of the Country

The maximum amount that can be borrowed on a single unit property can be as little as $271,050 in areas of the country where housing costs are low or as high as $729,750 in areas of the country where housing is most expensive.  These FHA loan limits apply to all FHA loans for single family, owner occupied houses or condiminiums.  These limits apply to all borrowers, not just first time home buyers.

Typically, the maximum amount that can be borrowed using an FHA-insured loan is set on a county-by-county basis within each state.  But there is one important exception to the “by county” rule that should be noted.  The exception comes into play in large metropolitan statistical areas like Miami or Chicago where the city is spread over multiple counties.  In these large metro areas, the maximum amount that can be financed using an FHA loan is based on the county in that metro area with the highest maximum.

Browse FHA Loan Limits By State

Check out the loan limits for each county in a given state by clicking on the corresponding link below:

 

Browse FHA Loan Limits By US Territory

Check out the loan limits for each county in a given US territory by clicking on the corresponding link below:

 

Speak to an FHA-approved lender if you have additional questions about the FHA loan limit that applies to your particular situation.