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FHA Loan Limit Calculator

Enter your city and state below to find the FHA Loan limit amount for your area. You can also get up-to-date information about changing FHA Loan limits.

FHA Loan Limits start at , but in high-cost areas the limit can be as high as .

State FHA Loan Limits by County

  • All other areas

A Closer Look at FHA Loan Limits

FHA loan limits are a ceiling placed on loans guaranteed by the Federal Housing Administration (FHA). These limits are based on the national conforming loan limits and can change every year.

FHA loan limits vary by county and are set based on home prices in each area. After all, a 2000 square foot home in Des Moines, Iowa is likely priced much differently than a similar home in San Diego.

How are FHA Loan Limits Calculated?

    This is one of the most common questions that borrowers ask themselves. The FHA sets the loan limit floor at 65% of the national confirming loan limit and limit ceiling at 150% of the national conforming loan limit.

    Current FHA Loan Limits

    The standard FHA loan limit is for most U.S. counties in 2020, an increase from $314,827 in 2019.

    For more expensive housing markets in the continental U.S., FHA loan limits reach all the way up to for 2020, up from $726,525 in 2019. The loan limit is even higher in a couple Hawaii counties.

    Related Calculators:

    Overview of 2019 FHA Loan Limits

    Single-Family Home Two-Family Home Three-Family Home Four-Family Home
    2019 FHA Loan Limit for Low-Cost Areas $314,827 $403,125 $487,250 $605,525
    2019 Conforming Loan Limit $726,525 $930,300 $1,124,475 $1,397,400
    2019 FHA Loan Limit for High-Cost Areas* $1,089,787 $1,395,450 $1,686,700 $2,096,100


    *FHA Loan Limits for High-Cost Areas

    Alaska, Hawaii, Guam and the U.S. Virgin Islands have special, higher limits. These special exception limits are set at 150% of the national conforming loan limit.

    • One-unit: $1,089,787
    • Two-unit: $1,395,450
    • Three-unit: $1,686,700
    • Four-unit: $2,096,100


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