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 $420,680, but in high-cost areas the limit can be as high as $970,800.
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. Current loan limits are in effect until December 31, 2022.
FHA loan limits vary by county and are set based on home prices in each area. After all, a 2,000 square foot home in Des Moines is likely priced much differently than a similar home in San Diego.
This is one of the most common questions borrowers ask. The FHA sets the loan limit floor at 65% of the national conforming loan limit and sets the limit ceiling at 150% of the national conforming loan limit.
The standard FHA loan limit in 2022 is $420,680 for most U.S. counties, an increase from $356,362 in 2021.
For more expensive housing markets in the continental U.S., FHA loan limits reach all the way up to $970,800 in 2022, which is a significant increase from $822,375 in 2021. Additionally, there are a few special exception areas where loan limits are even higher.
|Single-Family Home||Two-Family Home||Three-Family Home||Four-Family Home|
|FHA Loan Limit for Low-Cost Areas||$420,680
|FHA Loan Limit for High-Cost Areas||$970,800||$1,243,050||$1,502,475||$1,867,275|
|FHA Loan Limit for Special Exception Areas*||$1,456,200||$1,864,575||$2,253,700||$2,800,900|
Alaska, Hawaii, Guam and the U.S. Virgin Islands have special, higher FHA loan limits. These special exception limits are set at 150% of the national conforming loan limit.