Indiana FHA Loan Limits

What are FHA Loan Limits in Indiana?

FHA loans are a low down payment mortgage program and Indiana FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Indiana are set at the floor amount of $275,665 across almost the entire state.

Indiana FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ADAMSDECATUR, IN$331,760$424,800$513,450$638,100
ALLENFORT WAYNE, IN$331,760$424,800$513,450$638,100
BARTHOLOMEWCOLUMBUS, IN$331,760$424,800$513,450$638,100
BENTONLAFAYETTE-WEST LAFAYETTE, IN$331,760$424,800$513,450$638,100
BLACKFORDNON-METRO$331,760$424,800$513,450$638,100
BOONEINDIANAPOLIS-CARMEL-ANDERSON, IN$355,350$454,900$549,850$683,350
BROWNINDIANAPOLIS-CARMEL-ANDERSON, IN$355,350$454,900$549,850$683,350
CARROLLLAFAYETTE-WEST LAFAYETTE, IN$331,760$424,800$513,450$638,100
CASSLOGANSPORT, IN$331,760$424,800$513,450$638,100
CLARKLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
CLAYTERRE HAUTE, IN$331,760$424,800$513,450$638,100
CLINTONFRANKFORT, IN$331,760$424,800$513,450$638,100
CRAWFORDNON-METRO$331,760$424,800$513,450$638,100
DAVIESSWASHINGTON, IN$331,760$424,800$513,450$638,100
DEARBORNCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
DECATURGREENSBURG, IN$331,760$424,800$513,450$638,100
DEKALBAUBURN, IN$331,760$424,800$513,450$638,100
DELAWAREMUNCIE, IN$331,760$424,800$513,450$638,100
DUBOISJASPER, IN$331,760$424,800$513,450$638,100
ELKHARTELKHART-GOSHEN, IN$331,760$424,800$513,450$638,100
FAYETTECONNERSVILLE, IN$331,760$424,800$513,450$638,100
FLOYDLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
FOUNTAINNON-METRO$331,760$424,800$513,450$638,100
FRANKLINCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
FULTONNON-METRO$331,760$424,800$513,450$638,100
GIBSONNON-METRO$331,760$424,800$513,450$638,100
GRANTMARION, IN$331,760$424,800$513,450$638,100
GREENENON-METRO$331,760$424,800$513,450$638,100
HAMILTONINDIANAPOLIS-CARMEL-ANDERSON, IN$355,350$454,900$549,850$683,350
HANCOCKINDIANAPOLIS-CARMEL-ANDERSON, IN$355,350$454,900$549,850$683,350
HARRISONLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
HENDRICKSINDIANAPOLIS-CARMEL-ANDERSON, IN$355,350$454,900$549,850$683,350
HENRYNEW CASTLE, IN$331,760$424,800$513,450$638,100
HOWARDKOKOMO, IN$331,760$424,800$513,450$638,100
HUNTINGTONHUNTINGTON, IN$331,760$424,800$513,450$638,100
JACKSONSEYMOUR, IN$331,760$424,800$513,450$638,100
JASPERCHICAGO-NAPERVILLE-ELGIN, IL-IN-WI$368,000$471,100$569,450$707,700
JAYNON-METRO$331,760$424,800$513,450$638,100
JEFFERSONMADISON, IN$331,760$424,800$513,450$638,100
JENNINGSNORTH VERNON, IN$331,760$424,800$513,450$638,100
JOHNSONINDIANAPOLIS-CARMEL-ANDERSON, IN$355,350$454,900$549,850$683,350
KNOXVINCENNES, IN$331,760$424,800$513,450$638,100
KOSCIUSKOWARSAW, IN$331,760$424,800$513,450$638,100
LAGRANGENON-METRO$331,760$424,800$513,450$638,100
LAKECHICAGO-NAPERVILLE-ELGIN, IL-IN-WI$368,000$471,100$569,450$707,700
LAPORTEMICHIGAN CITY-LA PORTE, IN$331,760$424,800$513,450$638,100
LAWRENCEBEDFORD, IN$331,760$424,800$513,450$638,100
MADISONINDIANAPOLIS-CARMEL-ANDERSON, IN$355,350$454,900$549,850$683,350
MARIONINDIANAPOLIS-CARMEL-ANDERSON, IN$355,350$454,900$549,850$683,350
MARSHALLPLYMOUTH, IN$331,760$424,800$513,450$638,100
MARTINNON-METRO$331,760$424,800$513,450$638,100
MIAMIPERU, IN$331,760$424,800$513,450$638,100
MONROEBLOOMINGTON, IN$331,760$424,800$513,450$638,100
MONTGOMERYCRAWFORDSVILLE, IN$331,760$424,800$513,450$638,100
MORGANINDIANAPOLIS-CARMEL-ANDERSON, IN$355,350$454,900$549,850$683,350
NEWTONCHICAGO-NAPERVILLE-ELGIN, IL-IN-WI$368,000$471,100$569,450$707,700
NOBLEKENDALLVILLE, IN$331,760$424,800$513,450$638,100
OHIOCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
ORANGENON-METRO$331,760$424,800$513,450$638,100
OWENBLOOMINGTON, IN$331,760$424,800$513,450$638,100
PARKETERRE HAUTE, IN$331,760$424,800$513,450$638,100
PERRYNON-METRO$331,760$424,800$513,450$638,100
PIKEJASPER, IN$331,760$424,800$513,450$638,100
PORTERCHICAGO-NAPERVILLE-ELGIN, IL-IN-WI$368,000$471,100$569,450$707,700
POSEYEVANSVILLE, IN-KY$331,760$424,800$513,450$638,100
PULASKINON-METRO$331,760$424,800$513,450$638,100
PUTNAMINDIANAPOLIS-CARMEL-ANDERSON, IN$355,350$454,900$549,850$683,350
RANDOLPHNON-METRO$331,760$424,800$513,450$638,100
RIPLEYNON-METRO$331,760$424,800$513,450$638,100
RUSHNON-METRO$331,760$424,800$513,450$638,100
SCOTTSCOTTSBURG, IN$331,760$424,800$513,450$638,100
SHELBYINDIANAPOLIS-CARMEL-ANDERSON, IN$355,350$454,900$549,850$683,350
SPENCERNON-METRO$331,760$424,800$513,450$638,100
ST. JOSEPHSOUTH BEND-MISHAWAKA, IN-MI$331,760$424,800$513,450$638,100
STARKENON-METRO$331,760$424,800$513,450$638,100
STEUBENANGOLA, IN$331,760$424,800$513,450$638,100
SULLIVANTERRE HAUTE, IN$331,760$424,800$513,450$638,100
SWITZERLANDNON-METRO$331,760$424,800$513,450$638,100
TIPPECANOELAFAYETTE-WEST LAFAYETTE, IN$331,760$424,800$513,450$638,100
TIPTONNON-METRO$331,760$424,800$513,450$638,100
UNIONCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
VANDERBURGHEVANSVILLE, IN-KY$331,760$424,800$513,450$638,100
VERMILLIONTERRE HAUTE, IN$331,760$424,800$513,450$638,100
VIGOTERRE HAUTE, IN$331,760$424,800$513,450$638,100
WABASHWABASH, IN$331,760$424,800$513,450$638,100
WARRENLAFAYETTE-WEST LAFAYETTE, IN$331,760$424,800$513,450$638,100
WARRICKEVANSVILLE, IN-KY$331,760$424,800$513,450$638,100
WASHINGTONLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
WAYNERICHMOND, IN$331,760$424,800$513,450$638,100
WELLSNON-METRO$331,760$424,800$513,450$638,100
WHITENON-METRO$331,760$424,800$513,450$638,100
WHITLEYFORT WAYNE, IN$331,760$424,800$513,450$638,100

Indiana FHA loan limits can change at any time. Check back often to ensure accurate information.

How are Indiana FHA Limits Set?

Indiana FHA Loan LimitsMortgage limits for Indiana FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

IN FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in IN is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in IN is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Indiana FHA loan limits are set above the floor FHA mortgage amount of $275,665 in Gary and Hammond. Other areas with limits at the floor amount include Indianapolis, Fort Wayne, Evansville and South Bend.  You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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