{"id":22920,"date":"2026-01-16T20:03:13","date_gmt":"2026-01-16T20:03:13","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22920"},"modified":"2026-01-16T20:03:15","modified_gmt":"2026-01-16T20:03:15","slug":"fha-loan-limits-in-2026","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22920","title":{"rendered":"FHA Loan Limits In 2026"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            MoMo Productions\/Getty Images\n        <\/p>\n<\/p><\/div>\n<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div id=\"block_d2fe0f417288454ac1937e0a0b4264c8\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            FHA loans are insured by the Federal Housing Administration and may have more lenient qualifications than conventional loans.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            FHA loan limits vary by location, but in 2026, they\u2019re generally between $541,287 and $1,249,125 for single-family homes.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            You can find FHA loan limits for your area on the HUD website.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>FHA loan limits have increased again for the new year. Here\u2019s what to know if you\u2019re hoping to apply for this low-down payment mortgage in 2026.<\/p>\n<h2 id=\"loan-limits\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"2026 FHA lending limits\" data-outcome=\"\">2026 FHA lending limits<\/h2>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table has-fixed-layout wrapped\">\n<thead>\n<tr>\n<th class=\"has-text-align-left\" data-align=\"left\">FHA loan limits<\/th>\n<th class=\"has-text-align-left\" data-align=\"left\">Most areas<\/th>\n<th class=\"has-text-align-left\" data-align=\"left\">High-cost areas<\/th>\n<th class=\"has-text-align-left\" data-align=\"left\">Alaska, Hawaii, Guam and U.S. Virgin Islands<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\">One unit<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$541,287<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$1,249,125<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$1,873,687<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\">Two units<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$693,050<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$1,599,375<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$2,399,050<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\">Three units<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$837,700<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$1,933,200<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$2,899,800<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\">Four units<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$1,041,125<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$2,402,625<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">$3,603,925<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>For single-family home loans this year, the FHA loan limits range from a floor of $541,287 to a ceiling of $1,249,125. More expensive areas outside the continental U.S. have even higher FHA loan limits.<\/p>\n<h2 id=\"maximum-loan-limits\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What is the maximum FHA loan amount for your area?\" data-outcome=\"\">What is the maximum FHA loan amount for your area?<\/h2>\n<p>To help you find the limit for any county or state, we\u2019ve listed the links to limits in each state below. HUD also has an online search tool to help you find FHA loan limits. You can search by county or state.<\/p>\n<h2 id=\"how-they-are-determined\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How are FHA loan limits determined?\" data-outcome=\"\">How are FHA loan limits determined?<\/h2>\n<p>The U.S. Department of Housing and Urban Development (HUD), which oversees the Federal Housing Administration (FHA), calculates loan limits annually based on two factors: conforming loan limits for conventional loans and home prices in a given area. The Federal Housing Finance Agency (FHFA), which oversees Fannie Mae and Freddie Mac, establishes conforming loan limits each year.<\/p>\n<p>The FHA \u201cfloor\u201d limit is 65% of the conforming limit. In 2026, the conforming floor limit for a one-unit property is $832,750. That means the FHA floor limit for a one-unit property is $541,287. The FHA \u201cceiling\u201d or upper limit is also based on the conforming ceiling limit.<\/p>\n<p>The FHA is also required by law to set the loan limit at 115% of the median home sale price, subject to the national floor and ceiling. If a specific county\u2019s median home price exceeds 115% of the floor, the FHA loan limit is adjusted upward.<\/p>\n<h2 id=\"other-requirements\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Other FHA loan requirements\" data-outcome=\"\">Other FHA loan requirements<\/h2>\n<p>Besides loan limits, FHA loans have specific requirements for borrowers that set them apart from other loans:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Minimum credit score:<\/strong> 580 with 3.5% down; 500 with 10% down<\/li>\n<li>\n<strong>Minimum down payment<\/strong><strong>:<\/strong> 3.5% with a credit score of 580 or better; 10% with a credit score of 500 \u2013 579<\/li>\n<li>\n<strong>Debt-to-income (DTI) ratio<\/strong><strong>:<\/strong> No more than 43%<\/li>\n<li>\n<strong>FHA mortgage insurance<\/strong><strong>:<\/strong> You\u2019ll be required to pay both an upfront mortgage insurance premium (MIP) at closing and annual MIP, typically rolled into your monthly payment.<\/li>\n<\/ul>\n<h2 id=\"how-to-shop\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to shop for an FHA loan\" data-outcome=\"\">How to shop for an FHA loan<\/h2>\n<p>While FHA loans are insured by the government, they\u2019re originated and funded by private mortgage lenders. That means the actual terms and rates are set by the individual bank, credit union or mortgage company, and can vary from lender to lender. Here are our guides to help you get the best possible rate and terms:<\/p>\n<h2 id=\"faqs\" data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions\" data-outcome=\"\">Frequently asked questions<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-accordion-item-0', 'heading-accordion-item-0']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-0')\" :aria-controls=\"$id('panel-accordion-item-0')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What is the maximum you can borrow on an FHA loan?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-0')\" :aria-labelledby=\"$id('heading-accordion-item-0')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            The maximum amount you can borrow with an FHA loan varies based on where you live. The highest lending limit for a single-unit property in 2026 is $1,873,687 for borrowers in Alaska, Hawaii, Guam and the U.S. Virgin Islands. FHA lending limits are higher for multi-family properties.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-1', 'heading-accordion-item-1']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-1')\" :aria-controls=\"$id('panel-accordion-item-1')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What is the salary cap for FHA loans?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-1')\" :aria-labelledby=\"$id('heading-accordion-item-1')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            FHA loans don\u2019t have a salary cap. Borrowers in any income bracket may qualify. But FHA loans do have other requirements for borrowers\u2019 credit scores, DTI ratios and minimum down payments.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-2', 'heading-accordion-item-2']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-2')\" :aria-controls=\"$id('panel-accordion-item-2')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What are the FHA loan limits for multi-family properties?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-2')\" :aria-labelledby=\"$id('heading-accordion-item-2')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Just like the FHA loan limits for single-family properties, limits for multi-family properties also vary by location. The highest limit in 2026 is $3,603,925, for four-unit properties in Alaska, Hawaii, Guam and the U.S. Virgin Islands.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-3', 'heading-accordion-item-3']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-3')\" :aria-controls=\"$id('panel-accordion-item-3')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Can I buy a house that exceeds FHA loan limits?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-3')\" :aria-labelledby=\"$id('heading-accordion-item-3')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Yes, it is possible to buy a house that exceeds the FHA loan limits. However, you will need to pay the difference between the loan limit and the purchase price as part of your down payment. You may also decide to apply for a conventional mortgage instead.\n        <\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"uhC5iJlb1t\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Up 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href=\"https:\/\/www.bankrate.com\/mortgages\/fha-loan-limits\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>MoMo Productions\/Getty Images Key takeaways FHA loans are insured by the Federal Housing Administration and may have more lenient qualifications than conventional loans. FHA loan limits vary by location, but in 2026, they\u2019re generally between $541,287 and $1,249,125 for single-family homes. You can find FHA loan limits for your area on the HUD website. FHA<\/p>\n","protected":false},"author":1,"featured_media":22921,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22920","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FHA Loan Limits In 2026 | BudgetADirect<\/title>\n<meta name=\"description\" content=\"MoMo Productions\/Getty Images Key takeaways FHA loans are insured by the Federal Housing Administration and may have more lenient qualifications than\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/budgetadirect.com\/?p=22920\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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