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FHA Loan Limit

The Government Housing Authority sets the maximum mortgage limit for FHA loans that vary by state and region. In some states, you may be able to get financing with the loan amount up to $ 729,750 with a down payment of 3.5 percent. The conventional financing for a loan that Fannie Mae or Freddie Macintosh can buy today is $ 625,000.

To find out the limit of FHA mortgages in your area

On December 7, 2017, the Government Lodging Organization (FHA) announced a change to the 2018 loan limit for FHA Forward and FHA-insured Home Value Change Home loans (HECM).

The borrowing limit will increase for FHA Forward loans in almost every region across the country, due to rising home values. There is no area with maximum rate within the maximum limit of the loan. The loan limit for Mortgage Conversion House Equity (HECM), which is an FHA reversed mortgage is also increasing.

Low Cost Zone Limit ("Floor")

The following table shows the standard FHA loan limits for non-expensive zones.

Type of Loan           One Unit            Two Unit          Three Unit      Four Units
FHA Forward            $ 294,515          $ 377,075         $ 455,800       $ 566,425

High Cost Zone Limit ("Ceiling")

The following numbers apply to high-cost zones. Please note that high-cost regions vary from state to state, and not all countries have high-cost territories. You can also see the entire list of high cost FHA loan limits.

Type of Loan          One Unit        Two Unit           Three Unit           Four Units
FHA Forward           $ 679,650       $ 870,225          $ 1,051,875        $ 1,307,175

Regional Between Floor and Ceiling

There are a number of districts in some states whose borders are divided between the floors and ceiling of the FHA. You can see the entire list of 2108 here.

Gold country, Guam, Hawaii, and the Virgin Islands

Under the National Housing Act, borrowing limits for Gold country, Guam, Hawaii and the Virgin Islands can be adjusted up to 150% of the high cost ceiling region. The ceiling in this territory is as follows:

Type of Loan         One Unit           Two Unit              Three Unit         Four Units
FHA Forward          $ 1,019,475       $ 1,305,325         $ 1,577,800       $ 1,960,750

Household Equity Conversion Mortgage (HECMs)

In 2018, the National Home Loan Limit for FHA Equity Household Equity Mortgage (HECMs), or reverse mortgage, increased to $ 679,650 from $ 636,150. FHA does not allow the limit for reverse mortgage loans to vary by region, so the limit applies to all properties regardless of location location.

Type of Loan           One Unit        Two Unit              Three Unit           Four Units
HECM                      $ 679,650           n / a                       n / a                     n / a

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