FHA Loan Limits Explained

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Each year FHA publishes maximum loan limits for FHA mortgage loans. Your FHA loan cannot exceed the limit in the county in which you are buying.

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If you are purchasing your new home with an FHA loan, you must be sure you aren't looking at houses that will result in a mortgage balance higher than what FHA allows. For example, if the FHA loan limit in your county is $271,050, you cannot purchase a home for $350,000 with an FHA loan unless you are willing to put down $78,950.

Some counties, where home values are higher, have limits significantly higher than most of the country. Please use the FHA Loan Limit Lookup Tool found here to find FHA loan limits in your area.

Next: Do I Qualify for an FHA Loan?

*Every effort is made to post valid, up to date information. Mortgage guidelines and programs constantly change. Therefore, the content of each post should be viewed and used as a starting point. Please contact us for current guidelines pertaining to this post or for more information.

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