Are there higher FHA mortgage limits in 2019 for properties in Alaska, Hawaii, Guam or Virgin Islands?

Section 214 of the National Housing Act permits loan limits for Alaska, Hawaii, Guam, and the Virgin Islands (Special Exception Areas) to be increased up to 150% of the national ceilings to account for higher costs of construction. These special exception areas have potential for higher ceilings.

For additional information see: FHA mortgage limits are available for look up at

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-03625