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FHA loan limits are the maximum amount of money you can borrow to buy or refinance your home using a standard FHA loan. These limits are set by the Federal Housing Administration each year and vary by county. The FHA sets specific loan limits for the following types of homes:
If you want to take advantage of the FHA loan program, look up the local area loan limit for the home you want to buy. If you need to borrow above the loan limit in your area, consider applying for a Jumbo FHA loan.
Questions? Read more about FHA loan limits.
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A single-family FHA loan is the most common way homebuyers leverage the FHA home loan program. Single-family refers to the home itself, meaning that a single-family FHA loan will be used to finance a one-unit property that a family will use as a primary residence.
The baseline limit for single-family FHA loans in 2022 is $420,680, up from $356,362 in 2021, and applies to most counties in the United States. However, your FHA loan limit may be higher depending on the area you plan to purchase. See the table below for a full list of single-family loan limits for 2022.
|Loan Limit Area||Single-Family Home|
|Special Exception Area*||$1,456,200|
FHA loans can be used to purchase multi-family—also known as multi-unit—properties if you plan to use one of the units as a primary residence. For example, you can use an FHA loan to purchase a duplex, live in one of the units and rent the other unit to earn additional revenue.
Multi-family FHA loans can be used to finance up to 4 units, and FHA loan limits are raised for each additional unit. As with a typical single-family FHA loan, multi-family FHA loan limits vary based on the cost of living in the area. See the table below for the latest multi-family FHA loan limits.
|Loan Limit Area||Duplex||Triplex||Fourplex|
|Special Exception Area*||$1,864,575||$2,253,700||$2,800,900|
*About FHA Special Exeption Areas
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.
It's possible to purchase a home with the FHA loan program even if the home you want to finance is above the local area loan limit with a Jumbo FHA loan. You must conform to all the standard FHA loan requirements plus additional jumbo requirements, which can vary by lender.
Like any mortgage option, there are pros and cons to Jumbo FHA home loans, so it's a good idea to talk to a lender as soon as you know you need to exceed the typical FHA loan limit.