What is the FHA mortgage loan limit in my area?

Anyone can view the loan limits for a particular area by visiting the FHA Mortgage Limits website at https://entp.hud.gov/idapp/html/hicostlook.cfm

A mortgage that is to be insured by FHA cannot exceed the Nationwide Mortgage Limits, the nationwide area mortgage limit, or the maximum Loan-to-Value (LTV) ratio. The maximum LTV ratios vary depending upon the type of Borrower, type of transaction (purchase or refinance), program type, and stage of construction.

For additional information see Handbook 4000.1 II.A.2.a available at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh


All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-02342