FHA Loan Limits in 2019

FHA loan limits for 2019 increased in most US counties to accommodate for the increased cost of housing. The FHA loan limit for high-cost areas increased to $726,525 while the low-end limit increased to $314,827.

For a searchable chart of current FHA loan limits by county visit: https://fha.condos/financing/fha-loan-limits-2019/

2019 FHA Loan Limit Summary

According to the Department of Housing and Urban Development, the maximum FHA lending amount for high-cost metropolitan areas rose to $726,525 in 2019 (up from $679,650 in 2018). In areas with lower housing costs, the FHA limit can be as low as $314,827.

Low-Cost Areas
FHA’s national mortgage loan limits for low-cost areas in 2019 were set at 65% of the national conforming limit of $484,350 (for a one-unit property). Here are the specific amounts for this category, by property type:

One-unit: $314,827
Two-unit: $403,125
Three-unit: $487,250
Four-unit: $605,525

High-Cost Areas
FHA’s loan limits for high-cost areas (with comparatively high home prices) are set at 150% of the national conforming cap of $484,350. This resulted in the following maximum amounts: