2019 FHA Loan Limits
On December 14, 2018, FHA announced their 2019 loan limits. The standard one-unit limit has increased to
$314,817, up from 2018's $294,515. Search for your limit below.
2019 Conforming Loan Limits
The Federal Housing Finance Agency (FHFA) announced November 26th the 2019 one-unit loan limit has
increased from $453,100 in 2018 to $484,350. The high-cost area limit increases to $726,525.
Our lookup tool has been updated to include 2019 conforming loan limits.
Choose a state & county to view loan limits.
2019 Loan Limits
VA Loan Limit:
The VA county loan limit mirrors the
conforming one unit limit. You can still buy a home above the county limit if you make the appropriate down payment.
About County Loan Limits
Each of the following loan programs have limits on the amount you can borrow when purchasing a new home.
Some states and counties have higher limits. Use the adjacent tool to search loan limits
in your area.
- FHA loans generally have the lowest limits. It most counties the 2019 limit on a
single family (one-unit) home is $314,827.
- Conforming loans meet Fannie Mae and Freddie Mac loan standards. The limits are typically
higher than FHA loans - 484,350 in most counties.
VA loan limits equal the conforming one-unit limit. You can have a VA loan
above the loan limit,
but you'll have to make a down payment.
2019 FHA & Conforming Loan Limits Increased
The Federal Housing Finance Agency (FHFA) has increased the maximum amount on conforming loans in 2019 from $453,100
to $484,350 in most places. This means a home buyer can borrower up to this amount, and the loan
can be underwritten to the guidelines of Fannie Mae and/or Freddie Mac.
Conventional loans above the county limit are called jumbo loans. There may be additional qualifying
requirements for loans falling in the jumbo category.
Accordingly, FHA has increased their limit to $314,827.
When budgeting your FHA payment, you'll want to be sure the loan amount is below
the county limit. You cannot borrow more than what FHA permits.
The exception to borrowing above the county loan limit is VA.
VA loans are available above the county loan limit
if you make a down payment.
Once you've determined the limit where you're buying, use our calculators to experiment with various