The Federal Housing Administration (FHA) makes it possible for Americans with lower incomes and imperfect credit ratings to purchase a home. FHA loan limits were recently increased so that larger loans can now be obtained.
FHA is not a mortgage lender. They’re a government agency that provides mortgage insurance for the FHA loans that lenders make. For a loan to be insurable by the FHA, it has to meet certain requirements set forth for approval. One of these requirements is in the form of maximum mortgage limits.
If you don’t have cash for a 20% percent down payment, or have less than perfect credit, FHA loans offer several benefits you can’t get from a conventional loan from Fannie Mae or Freddie Mac. FHA loans only require a 3.5% down payment and the borrower can still get a great interest rate, even if their credit score is less than 700.
2020 FHA Loan Limits
FHA loan limits are not created equal across the country. They vary from county to county depending on the the cost of living in that area. They also vary based on number of units in the property.
2020 FHA maximum loan limits for single-family dwellings can be anywhere between the floor amount of $331,760, up to the ceiling amount of $765,600 in high-cost areas.
2020 Standard FHA Loan Limits: $275,665
Most areas around the U.S. carry FHA county loan limits that are set to the national floor amount of $331,760 for single-family residences.
| 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|
| $331,760 | $424,800 | $513,450 | $638,100 |
Elevated FHA limits for high-cost areas: $331,760 – $765,600
There are 697 counties in the U.S. with elevated FHA mortgage limits set above $331,760. Certain states like Arkansas don’t have any areas with elevated FHA limits, while other states such as New Jersey are entirely composed of counties eligible for elevated limits. Some areas of the country with elevated FHA mortgage limits include Philadelphia, Miami, Houston, Dallas and Chicago.
| 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|
| $331,760 - $765,600 | $424,800 - $980,325 | $513,450 - $1,184,925 | $638,100- $1,472,550 |
Ceiling FHA limits for highest-cost areas: $765,600
There are 74 counties in the U.S. where FHA lending limits are set at the ceiling of $765,600. Some areas that are eligible for ceiling FHA limits include New York City, Los Angeles, San Francisco, Boston and Washington D.C..
| 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|
| $765,600 | $980,325 | $1,184,925 | $1,472,550 |
Exceptions for extreme-cost areas:
$765,600
Certain areas outside the continental United States with extremely high housing costs may be eligible for an exception to normal high-cost FHA limits. Eligible locations for the ultra-high FHA loan limit are located in Hawaii. In these locations, FHA limits are permitted to be up to 150% of the national maximum ceiling amount, allowing FHA loan limits to reach as high as $765,600.
| 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|
| $765,600 | $980,325 | $1,184,925 | $1,472,550 |
To see what the exact limits are for your area, please choose your state from the list below.
2020 FHA Loan Limits by State
Alabama FHA Limits
(Areas eligible for FHA mortgage loans in AL include Birmingham, Montgomery, Mobile, Auburn, Tuscaloosa, Hoover, Dothan, Decatur, Madison City, Gulf Shores, Orange Beach and more…)
Alaska FHA Limits
(Areas eligible for FHA mortgage loans in AK include Anchorage, Fairbanks, Juneau, Sitka, Ketchikan and more…)
Arizona FHA Limits
(Areas eligible for FHA mortgage loans in AZ include Phoenix, Goodyear, Flagstaff, Avondale, Tucson, Mesa, Tempe, Gilbert, Surprise, Peoria, Lake Havasu City, Chandler, Scottsdale, Glendale, Yuma and more…)
Arkansas FHA Limits
(Areas eligible for FHA mortgage loans in AR include Little Rock, Fort Smith, Springdale, Fayetteville, Hot Springs, Jonesboro, North Little Rock, Conway, Rogers, Pine Bluff and more…)
California FHA Limits
(Areas eligible for FHA mortgage loans in CA include Los Angeles, Roseville, Santa Clara, Vallejo, El Monte, Victorville, Berkley, Downey, Inglewood, Costa Mesa, San Francisco, Hayward, Orange, Pasadena, Sunnyvale, Simi Valley, Visalia, San Diego, Santa Clarita, Santa Rosa, Garden Grove, Ontario, San Jose, Sacramento, Fresno, Long Beach, Oakland, Bakersfield, Santa Ana, Anaheim, Norwalk, Carlsbad, Fairfield, Richmond, Murrieta, Burbank, Riverside, Stockton, Chula Vista, Fremont, Irvine, San Bernardino, Modesto, Oxnard, Fontana, Moreno Valley, Glendale, South Gate, Vacaville, Mission Viejo, Vista, Newport Beach, Chico, Whittier, San Leandro, Hawthorne, San Marcos, Redding, Hesperia, Huntington Beach, Oceanside, Rancho Cucamonga, Palmdale, Elk Grove, Lancaster, Corona, Salinas, Torrance, Pomona, Escondido, Thousand Oaks, Fullerton, Concord, West Covina, Antioch, Daly City, Temecula, Santa Maria, El Cajon, Rialto, San Mateo, Compton, Clovis, Carson, Santa Barbara, Westminster, Santa Monica, Citrus Heights, Alhambra, Tracy, Livermore, Buena Park, Lakewood, Merced, Hemet, Chino, Menifee, Lake Forrest, Napa and more…)
Colorado FHA Limits
(Areas eligible for FHA mortgage loans in CO include Denver, Thornton, Arvada, Westminster, Pueblo, Centennial, Colorado Springs, Lakewood, Fort Collins, Aurora, Commerce City, Castle Rock, Broomfield, Grand Junction, Boulder, Greely, Longmont, Loveland, Brighton, Northglenn, Littleton, Parker and more…)
Connecticut FHA Limits
(Areas eligible for FHA mortgage loans in CT include Bridgeport, New Haven, Meriden, Hamden, Fairfield, Manchester, Milford, Hartford, Stamford, Norwalk, Danbury, Waterbury, Greenwich, West Haven, Stratford, Bristol, New Britain, West Hartford and more…)
Delaware FHA Limits
(Areas eligible for FHA mortgage loans in DE include Wilmington, Middletown, Smyrna, Dover, Newark and more…)
District of Columbia FHA Limits
(Washington D.C.)
Florida FHA Limits
(Areas eligible for FHA mortgage loans in FL include Miami, Tampa, Sarasota, Bradenton, Cape Coral, Clearwater, Kissimmee, Fort Myers, Palm Bay, Melbourne, St. Petersburg, Fort Lauderdale, West Palm Beach, Daytona Beach, Port Orange, Ocala, Sebastian, Vero Beach South, Pompano Beach, Orlando, Jacksonville, Port St. Lucie, Palm Coast, Florida Ridge, Spring Hill, Panama City, Leesburg, Eustis, Tavares, Lady Lake, The Villages, Homosassa Springs, Beverly Hills, Citrus Springs, St. Augustine, Zephyrhills, Sebring, Avon Park, Titusville, Pensacola, Bonita Springs, Lakeland, Tallahassee, Winter Haven, Fort Walton Beach, Navarre, Gainesville, Deltona, Port Charlotte, Key West, Marathon, Key Biscayne and more…)
Georgia FHA Limits
(Areas eligible for FHA mortgage loans in GA include Atlanta, Columbus, Augusta, Savannah, Athens, Sandy Springs, Macon, Roswell, Albany, Johns Creek, Warner Robins, Alpharetta, Marietta, Valdosta, Smyrna and more…)
Hawaii FHA Limits
(Areas eligible for FHA mortgage loans in HI include Honolulu, Waipahu, Kaneohe, Milani Town, Pearl City, Hilo, Kailua, Kahului and more…)
Idaho FHA Limits
(Areas eligible for FHA mortgage loans in ID include Boise, Nampa, Pocatello, Caldwell, Coeur d’Alene, Meridian, Idaho Falls, Twin Falls, Lewiston, Gooding, Ketchum, Shoshone and more…)
Illinois FHA Limits
(Areas eligible for FHA mortgage loans in IL include Chicago, Springfield, Peoria, Aurora, Rockford, Joliet, Naperville, Bloomington, Orland Park, Bolingbrook, Palatine, Skokie, Des Plaines, Downers Grove, Tinley Park, Elgin, Waukegan, Cicero, Champaign, Oak Lawn, Berwyn, Mount Prospect, Normal, Wheaton, Hoffman Estates, Oak Park, Arlington Heights, Evanston, Decatur, Schaumburg and more…)
Indiana FHA Limits
(Areas eligible for FHA mortgage loans in IN include Indianapolis, Hammond, Bloomington, Gary, Carmel, Muncie, Lafayette, Terre Haute, Fort Wayne, Evansville, South Bend, Mishawaka, Anderson, Noblesville, Elkhart, Greenwood, Lawrence, Kokomo and more…)
Iowa FHA Limits
(Areas eligible for FHA mortgage loans in IA include Cedar Rapids, Davenport, Sioux City, West Des Moines, Dubuque, Ankeny, Des Moines, Iowa City, Waterloo, Council Bluffs, Ames, Urbandale and more…)
Kansas FHA Limits
(Areas eligible for FHA mortgage loans in KS include Wichita, Shawnee, Manhattan, Lenexa, Overland Park, Kansas City, Salina, Hutchinson Olathe, Topeka, Lawrence and more…)
Kentucky FHA Limits
(Areas eligible for FHA mortgage loans in KY include Bowling Green, Hopkinsville, Richmond, Owensboro, Louisville, Lexington, Covington, Florence and more…)
Louisiana FHA Limits
(Areas eligible for FHA mortgage loans in LA include New Orleans, Lafayette, Lake Charles, Alexandria, Houma, Kenner, Baton Rouge, Shreveport, Metairie, Bossier City, Monroe, and more…)
Maine FHA Limits
(Areas eligible for FHA mortgage loans in ME include Portland, Bangor, Lewiston, Auburn and more…)
Maryland FHA Limits
(Areas eligible for FHA mortgage loans in MD include Baltimore, Rockville, Gaithersburg, Frederick, Annapolis, College Park, Salisbury, Bowie, Hagerstown, Laurel and more…)
Massachusetts FHA Limits
(Areas eligible for FHA mortgage loans in MA include Cambridge, Boston, Peabody, Brockton, Somerville, Chicopee, Weymouth, Revere, Framingham, Haverhill, Quincy, Worcester, Springfield, Lowell, Lynn, Newton, Chicopee, Weymouth, Revere, New Bedford, Chicopee, Weymouth, Revere, Peabody, Fall River, Lawrence, Waltham, Malden, Peabody and more…)
Michigan FHA Limits
(Areas eligible for FHA mortgage loans in MI include Detroit, West Bloomfield, Taylor, St. Clair Shores, Grand Rapids, Warren, Sterling Heights, Kalamazoo, Shelby, Royal Oak, Kentwood, Pontiac, Wyoming, Southfield, Waterford, Rochester Hills, Lansing, Ann Arbor, Flint, Dearborn, Livonia, Clinton, Canton, Westland, Troy, Novi, Ypsilanti, Battle Creek, Saginaw, Farmington Hills, Macomb, Dearborn Heights and more…)
Minnesota FHA Limits
(Areas eligible for FHA mortgage loans in MN include Minneapolis, Bloomington, Brooklyn Park, Plymouth, Saint Paul, Rochester, Duluth, St. Cloud, Eagan, Woodbury, Maple Grove, Eden Prairie, Lakeville, Minnetonka, Apple Valley, Coon Rapids, Burnsville, Blaine, Edina and more…)
Mississippi FHA Limits
(Areas eligible for FHA mortgage loans in MS include Jackson, Southhaven, Hattiesburg, Biloxi, Meridian, Gulfport, Tupelo and more…)
Missouri FHA Limits
(Areas eligible for FHA mortgage loans in MO include Kansas City, Florissant, Joplin, Chesterfield, St. Louis, O’Fallon, St. Joseph, St. Charles, Springfield, Independence, Columbia, Lee’s Summit, St, Peters, Blue Springs, Jefferson City and more…)
Montana FHA Limits
(Areas eligible for FHA mortgage loans in MT include Billings, Butte, Helena, Great Falls, Bozeman, Missoula, and more…)
Nebraska FHA Limits
(Areas eligible for FHA mortgage loans in NE include Omaha, Kearney, Grand Island, Fremont, Bellevue, Lincoln and more…)
Nevada FHA Limits
(Areas eligible for FHA mortgage loans in NV include Las Vegas, Henderson, Reno, North Las Vegas, Sparks, Carson City, Fernley and more…)
New Hampshire FHA Limits
(Areas eligible for FHA mortgage loans in NH include Manchester, Concord, Dover, Rochester, Nashua and more…)
New Jersey FHA Limits
(Areas eligible for FHA mortgage loans in NJ include Newark, Perth Amboy, Vineland, Union, Piscataway, New Brunswick, Hoboken, Plainfield, Jersey City, Paterson, Camden, Lakewood Township, Toms River, Hamilton, Jackson Township, Wayne, Brick Township, Cherry Hill, Old Bridge Township, Gloucester Township, East Orange, Bayonne, Franklin, Passaic, Irvington, Parsippany, Troy Hills, Elizabeth, Edison, Woodbridge Township, Trenton, Clifton, Howell Township, Middletown Township, Union City, North Bergen and more…)
New Mexico FHA Limits
(Areas eligible for FHA mortgage loans in NM include Albuquerque, Las Cruces, Farmington, South Valley, Clovis, Hobbs, Rio Rancho, Santa Fe, Roswell and more)
New York FHA Limits
(Areas eligible for FHA mortgage loans in NY include New York City, Brooklyn, Queens, Bronx, Staten Island, Manhattan, Niagara Falls, Albany, Troy, Mount Vernon, Schenectady, New Rochelle, Buffalo, White Plains, Utica, Rochester, Yonkers, Syracuse, Binghamton and more…)
North Carolina FHA Limits
(Areas eligible for FHA mortgage loans in NC include Charlotte, Greenville, Concord, Gastonia, Raleigh, Wilmington, Asheville, Winston-Salem, Chapel Hill, High Point, Wilson, Huntersville, Rocky Mount, Jacksonville, Greensboro, Durham, Fayetteville, Cary, Burlington, Kannapolis and more…)
North Dakota FHA Limits
(Areas eligible for FHA mortgage loans in ND include Fargo, Minot, West Fargo, Bismark, Grand Forks, Dickinson and more…)
Ohio FHA Limits
(Areas eligible for FHA mortgage loans in OH include Columbus, Canton, Cuyahoga, Cleveland, Elyria, Akron, Springfield, Toledo, Youngstown, Kettering, Cincinnati, Falls, Alliance, Parma, Hamilton and more…)
Oklahoma FHA Limits
(Areas eligible for FHA mortgage loans in OK include Oklahoma City, Lawton, Owasso, Enid, Stillwater, Edmond, Moore, Midwest City, Bartlesville, Shawnee, Muskogee, Tulsa, Norman, Broken Arrow and more…)
Oregon FHA Limits
(Areas eligible for FHA mortgage loans in OR include Portland, Salem, Corvallis, Albany, Gresham, Beaverton, Bend, Medford, Hillsboro, Eugene, Springfield, Tigard and more…)
Pennsylvania FHA Limits
(Areas eligible for FHA mortgage loans in PA include Philadelphia, Penn Hills, Wilkes-Barre, York, Pittsburgh, Allentown, Bethlehem, Scranton, Levittown, Lancaster, Harrisburg, Altoona, Erie, Reading and more…)
Rhode Island FHA Limits
(Areas eligible for FHA mortgage loans in RI include Providence, Pawtucket, East Providence, Woonsocket, Coventry, Cranston, Warwick and more…)
South Carolina FHA Limits
(Areas eligible for FHA mortgage loans in SC include Columbia, North Charleston, Mount Pleasant, Summerville, Sumter, Hilton Head Island, Charleston, Rock Hill, Greenville, Spartanburg and more)
South Dakota FHA Limits
(Areas eligible for FHA mortgage loans in SD include Sioux Falls, Rapid City, Aberdeen, Brookings, Watertown, Mithchell and more…)
Tennessee FHA Limits
(Areas eligible for FHA mortgage loans in TN include Memphis, Germantown, Cleveland, Columbia, Nashville, Knoxville, Chattanooga, Clarksville, Murfreesboro, Kingsport, Franklin, Hendersonville, Jackson, Johnson City, Bartlett, Collierville and more…)
Texas FHA Limits
(Areas eligible for FHA mortgage loans in TX include Houston, Port Arthur, Euless, Georgetown, San Antonio, Missouri City, North Richland Hills, Richardson, Lewisville, College Station, Dallas, Austin, New Braunfels, Mansfield, Pflugerville, Flower Mound, Harlingen, Atascocita, Fort Worth, El Paso, Arlington, Cedar Park, Rowlett, Spring, Corpus Christi, Plano, Laredo, Lubbock, Garland, Irving, Amarillo, Grand Prairie, Brownsville, Pasadena, McKinney, Mesquite, McAllen, Killeen, Frisco, Waco, Carrollton, Denton, Midland, Abilene, Beaumont, Round Rock, Odessa, Wichita Falls, Tyler, Pearland, San Angelo, The Woodlands, Allen, League City, Sugar Land, Longview, Edinburg, Mission, Bryan, Baytown, Pharr, Temple, Victoria, Conroe, DeSoto, San Marcos and more…)
Utah FHA Limits
(Areas eligible for FHA mortgage loans in UT include Salt Lake City, Sandy, Ogden, West Valley City, Provo, St. George, Layton, West Jordan, Orem, Logan, Lehi, Taylorsville, South Jordan and more…)
Vermont FHA Limits
(Areas eligible for FHA mortgage loans in VT include Burlington, Rutland, Barre, South Burlington, and more…)
Virginia FHA Limits
(Areas eligible for FHA mortgage loans in VA include Virginia Beach, Charlottesville, Danville, Manassas, Norfolk, Newport News, Alexandria, Hampton, Chesapeake, Richmond, Suffolk, Lynchburg, Harrisonburg, Roanoke, Portsmouth and more…)
Washington FHA Limits
(Areas eligible for FHA mortgage loans in WA include Seattle, Sammamish, Olympia, Shoreline, Richland, Kirkland, Lacey, Spokane, Marysville, Lakewood, Tacoma, Vancouver, Bellevue, Kent, Everett, Kennewick, Auburn, Renton, Yakima, Bellingham, Burien, Edmonds, Federal Way, Pasco, Redmond, Spokane Valley and more…)
West Virginia FHA Limits
(Areas eligible for FHA mortgage loans in WV include Charleston, Morgantown, Wheeling, Huntington, Parkersburg and more…)
Wisconsin FHA Limits
(Areas eligible for FHA mortgage loans in WI include Milwaukee, Sheboygan, Janesville, West Allis, Wauwatosa, Madison, Green Bay, Kenosha, Racine, Eau Claire, La Crosse, Fond du Lac, Appleton, Waukesha, Oshkosh and more…)
Wyoming FHA Limits
(Areas eligible for FHA mortgage loans in WY include Cheyenne, Rock Springs, Sheridan, Casper, Laramie, Gilette, Cody and more…)
