fha loan limits

Understanding FHA Loan Requirements for Potential Home Buyers and Homeowners

By Spencer Llewellyn at 4:04 pm on April 3, 2024
FHa Loan Requirements

When you’re in the market for a new home or considering refinancing your current mortgage, an FHA loan could be a smart option to explore. FHA loans are known for their relative ease of qualification and consumer protections, which is particularly beneficial for potential home buyers with less-than-perfect credit histories or those needing a refinance loan. In this article, we’ll walk you through the key FHA loan requirements, leveraging information from the Congressional Research Service and an FHA Reference Guide to give you a well-rounded understanding.

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FHA Loan Limits

By Spencer Llewellyn at 12:03 pm on January 1, 2020
FHA Loan Limits

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. Read More

Vermont FHA Approved Condos

By Spencer Llewellyn at 1:34 am on June 11, 2014

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NATHANIEL COURT
BENNINGTON, VT, 05201
BENNINGTON County
FHA Condo ID: VT-004-96
Date Approved: 1996-10-24
BROOKSIDE CONDOMINIUMS
BRATTLEBORO, VT, 05301
WINDHAM County
FHA Condo ID: VA-003-90
Date Approved: 1985-06-01
MORNINGSIDE COMMONS
BRATTLEBORO, VT, 05301
WINDHAM County
FHA Condo ID: VA-005-90
Date Approved: 1985-06-01
APPLE TREE POINT CONDOMINIUMS
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VT-001-96
Date Approved: 1996-03-12
CITY BLUFFS
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VT-002-92
Date Approved: 1992-12-23
FAIRMONT PLACE CONDOMINIUMS
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VT-002-94
Date Approved: 1994-02-14
RIVERS EDGE
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VT-002-93
Date Approved: 1993-03-25
ROSE STREET COOPERATIVE CONDOS
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VA-006-90
Date Approved: 1985-06-01
VALADE PARK
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VT-002-98
Date Approved: 1998-02-24
Remarks: 52 UNITS - SITE INSPECTION 2-24-98
VALLEY RIDGE <PUD>
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VA-010-90
Date Approved: 1985-06-01
CREEK FARM TOWN HOUSES
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-002-97
Date Approved: 1997-07-29
CREEKSIDE CONDOMINIUMS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-003-95
Date Approved: 1995-05-22
CREEKSIDE CONDOMINIUMS (Phase 1&2)
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-003-95
Date Approved: 1995-05-22
HOLLOW CREEK
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-001-94
Date Approved: 1994-01-10
PARTRIDGE HILL CONDOMINIUMS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-001-95
Date Approved: 1995-03-03
PHEASANT WOODS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-011-93
Date Approved: 1993-10-13
RED PINES CONDOMINIUMS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-002-95
Date Approved: 1995-04-05
SUNDERLAND WOODS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-004-94
Date Approved: 1994-08-30
VALLEYFIELD COMMONS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-003-91
Date Approved: 1991-06-06
WESTBROOK CONDO (Phase I)
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-001-91
Date Approved: 1991-02-13
Remarks: 24 UNITS SITE VISIT020591
WHISPERING PINES CONDOMINIUMS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-006-95
Date Approved: 1995-10-05
ESSEX GREEN CONODMINIUMS
ESSEX JCT, VT, 00000
FHA Condo ID: VT-002-91
Date Approved: 1991-04-24
Remarks: BUILDING A, C, E, AND F ARE APPROVED. B AND D BUILDINGS ARE NOT APPROVED.
BRICK YARD CONDOMINIUMS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VA-002-90
Date Approved: 1985-06-01
BROOKSIDE CONDOMINIUMS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-006-93
Date Approved: 1993-05-01
CHASE COMMONS CONDOMINIUM
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-002-90
Date Approved: 1990-04-12
COBLEIGH SQUARE
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-001-98
Date Approved: 1998-01-09
EAST CREEK CONDOMINIUMS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-005-95
Date Approved: 1995-09-19
ESSEX PARK WEST
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-007-94
Date Approved: 1994-09-13
PLAZA. PARK CONDOMINIUMS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-003-90
Date Approved: 1990-04-26
SAY BROOK CLUSTERS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VA-007-90
Date Approved: 1985-06-01
SHERWOOD SQUARE CONDOS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VA-008-90
Date Approved: 1985-06-01
SOUTH CREEK
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-009-93
Date Approved: 1993-06-01
VILLAGE GLEN CONDOMIINIUM
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-003-98
Date Approved: 1998-03-27
Remarks: INSPECTION 3-27-98
STONES THROW CONDOMINIUMS
HARTFORD, VT, 05047
WINDSOR County
FHA Condo ID: VT-003-97
Date Approved: 1997-07-08
LYMAN MEADOW
HINESBURG, VT, 05461
CHITTENDEN County
FHA Condo ID: VT-007-93
Date Approved: 1993-06-09
MIDDLEBURY EAST CONDOMINIUM
MIDDLEBURY, VT, 05753
ADDISON County
FHA Condo ID: VT-001-90
Date Approved: 1990-04-03
Remarks: 50 UNITS
WOODLAND PARK
MIDDLEBURY, VT, 05753
ADDISON County
FHA Condo ID: VT-006-96
Date Approved: 1996-12-13
FOX BRIAR CONDOMINIUMS
MILTON, VT, 05468
CHITTENDEN County
FHA Condo ID: VT-010-93
Date Approved: 1993-09-13
GRIEVES FARM
MONTPELIER, VT, 05602
WASHINGTON County
FHA Condo ID: VA-004-90
Date Approved: 1985-06-01
THE COMMONS
MORETOWN, VT, 05660
WASHINGTON County
FHA Condo ID: VT-003-94
Date Approved: 1994-07-15
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Kentucky FHA Loan Limits

By Spencer Llewellyn at 1:45 am on November 18, 2013
Kentucky FHA Loan Limits

What are FHA Loan Limits in Kentucky?

FHA loans are a low down payment mortgage program and Kentucky 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 Kentucky are set at the floor amount of $275,665 across nearly the entire state.

Kentucky FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ADAIRNON-METRO$331,760$424,800$513,450$638,100
ALLENBOWLING GREEN, KY$331,760$424,800$513,450$638,100
ANDERSONFRANKFORT, KY$331,760$424,800$513,450$638,100
BALLARDPADUCAH, KY-IL$331,760$424,800$513,450$638,100
BARRENGLASGOW, KY$331,760$424,800$513,450$638,100
BATHMOUNT STERLING, KY$331,760$424,800$513,450$638,100
BELLMIDDLESBOROUGH, KY$331,760$424,800$513,450$638,100
BOONECINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
BOURBONLEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100
BOYDHUNTINGTON-ASHLAND, WV-KY-OH$331,760$424,800$513,450$638,100
BOYLEDANVILLE, KY$331,760$424,800$513,450$638,100
BRACKENCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
BREATHITTNON-METRO$331,760$424,800$513,450$638,100
BRECKINRIDGENON-METRO$331,760$424,800$513,450$638,100
BULLITTLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
BUTLERBOWLING GREEN, KY$331,760$424,800$513,450$638,100
CALDWELLNON-METRO$331,760$424,800$513,450$638,100
CALLOWAYMURRAY, KY$331,760$424,800$513,450$638,100
CAMPBELLCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
CARLISLENON-METRO$331,760$424,800$513,450$638,100
CARROLLNON-METRO$331,760$424,800$513,450$638,100
CARTERHUNTINGTON-ASHLAND, WV-KY-OH$331,760$424,800$513,450$638,100
CASEYNON-METRO$331,760$424,800$513,450$638,100
CHRISTIANCLARKSVILLE, TN-KY$331,760$424,800$513,450$638,100
CLARKLEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100
CLAYLONDON, KY$331,760$424,800$513,450$638,100
CLINTONNON-METRO$331,760$424,800$513,450$638,100
CRITTENDENNON-METRO$331,760$424,800$513,450$638,100
CUMBERLANDNON-METRO$331,760$424,800$513,450$638,100
DAVIESSOWENSBORO, KY$331,760$424,800$513,450$638,100
EDMONSONBOWLING GREEN, KY$331,760$424,800$513,450$638,100
ELLIOTTNON-METRO$331,760$424,800$513,450$638,100
ESTILLRICHMOND-BEREA, KY$331,760$424,800$513,450$638,100
FAYETTELEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100
FLEMINGNON-METRO$331,760$424,800$513,450$638,100
FLOYDNON-METRO$331,760$424,800$513,450$638,100
FRANKLINFRANKFORT, KY$331,760$424,800$513,450$638,100
FULTONNON-METRO$331,760$424,800$513,450$638,100
GALLATINCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
GARRARDNON-METRO$331,760$424,800$513,450$638,100
GRANTCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
GRAVESMAYFIELD, KY$331,760$424,800$513,450$638,100
GRAYSONNON-METRO$331,760$424,800$513,450$638,100
GREENCAMPBELLSVILLE, KY$331,760$424,800$513,450$638,100
GREENUPHUNTINGTON-ASHLAND, WV-KY-OH$331,760$424,800$513,450$638,100
HANCOCKOWENSBORO, KY$331,760$424,800$513,450$638,100
HARDINELIZABETHTOWN-FORT KNOX, KY$331,760$424,800$513,450$638,100
HARLANNON-METRO$331,760$424,800$513,450$638,100
HARRISONNON-METRO$331,760$424,800$513,450$638,100
HARTNON-METRO$331,760$424,800$513,450$638,100
HENDERSONEVANSVILLE, IN-KY$331,760$424,800$513,450$638,100
HENRYLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
HICKMANNON-METRO$331,760$424,800$513,450$638,100
HOPKINSMADISONVILLE, KY$331,760$424,800$513,450$638,100
JACKSONNON-METRO$331,760$424,800$513,450$638,100
JEFFERSONLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
JESSAMINELEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100
JOHNSONNON-METRO$331,760$424,800$513,450$638,100
KENTONCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
KNOTTNON-METRO$331,760$424,800$513,450$638,100
KNOXLONDON, KY$331,760$424,800$513,450$638,100
LARUEELIZABETHTOWN-FORT KNOX, KY$331,760$424,800$513,450$638,100
LAURELLONDON, KY$331,760$424,800$513,450$638,100
LAWRENCENON-METRO$331,760$424,800$513,450$638,100
LEENON-METRO$331,760$424,800$513,450$638,100
LESLIENON-METRO$331,760$424,800$513,450$638,100
LETCHERNON-METRO$331,760$424,800$513,450$638,100
LEWISNON-METRO$331,760$424,800$513,450$638,100
LINCOLNDANVILLE, KY$331,760$424,800$513,450$638,100
LIVINGSTONPADUCAH, KY-IL$331,760$424,800$513,450$638,100
LOGANNON-METRO$331,760$424,800$513,450$638,100
LYONNON-METRO$331,760$424,800$513,450$638,100
MADISONRICHMOND-BEREA, KY$331,760$424,800$513,450$638,100
MAGOFFINNON-METRO$331,760$424,800$513,450$638,100
MARIONNON-METRO$331,760$424,800$513,450$638,100
MARSHALLNON-METRO$331,760$424,800$513,450$638,100
MARTINNON-METRO$331,760$424,800$513,450$638,100
MASONMAYSVILLE, KY$331,760$424,800$513,450$638,100
MCCRACKENPADUCAH, KY-IL$331,760$424,800$513,450$638,100
MCCREARYNON-METRO$331,760$424,800$513,450$638,100
MCLEANOWENSBORO, KY$331,760$424,800$513,450$638,100
MEADEELIZABETHTOWN-FORT KNOX, KY$331,760$424,800$513,450$638,100
MENIFEEMOUNT STERLING, KY$331,760$424,800$513,450$638,100
MERCERNON-METRO$331,760$424,800$513,450$638,100
METCALFEGLASGOW, KY$331,760$424,800$513,450$638,100
MONROENON-METRO$331,760$424,800$513,450$638,100
MONTGOMERYMOUNT STERLING, KY$331,760$424,800$513,450$638,100
MORGANNON-METRO$331,760$424,800$513,450$638,100
MUHLENBERGCENTRAL CITY, KY$331,760$424,800$513,450$638,100
NELSONBARDSTOWN, KY$331,760$424,800$513,450$638,100
NICHOLASNON-METRO$331,760$424,800$513,450$638,100
OHIONON-METRO$331,760$424,800$513,450$638,100
OLDHAMLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
OWENNON-METRO$331,760$424,800$513,450$638,100
OWSLEYNON-METRO$331,760$424,800$513,450$638,100
PENDLETONCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
PERRYNON-METRO$331,760$424,800$513,450$638,100
PIKENON-METRO$331,760$424,800$513,450$638,100
POWELLNON-METRO$331,760$424,800$513,450$638,100
PULASKISOMERSET, KY$331,760$424,800$513,450$638,100
ROBERTSONNON-METRO$331,760$424,800$513,450$638,100
ROCKCASTLENON-METRO$331,760$424,800$513,450$638,100
ROWANNON-METRO$331,760$424,800$513,450$638,100
RUSSELLNON-METRO$331,760$424,800$513,450$638,100
SCOTTLEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100
SHELBYLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
SIMPSONNON-METRO$331,760$424,800$513,450$638,100
SPENCERLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
TAYLORCAMPBELLSVILLE, KY$331,760$424,800$513,450$638,100
TODDNON-METRO$331,760$424,800$513,450$638,100
TRIGGCLARKSVILLE, TN-KY$331,760$424,800$513,450$638,100
TRIMBLENON-METRO$331,760$424,800$513,450$638,100
UNIONNON-METRO$331,760$424,800$513,450$638,100
WARRENBOWLING GREEN, KY$331,760$424,800$513,450$638,100
WASHINGTONNON-METRO$331,760$424,800$513,450$638,100
WAYNENON-METRO$331,760$424,800$513,450$638,100
WEBSTERNON-METRO$331,760$424,800$513,450$638,100
WHITLEYLONDON, KY$331,760$424,800$513,450$638,100
WOLFENON-METRO$331,760$424,800$513,450$638,100
WOODFORDLEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100

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

How are Kentucky FHA Limits Set?

Kentucky FHA Loan LimitsMortgage limits for Kentucky 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.

KY FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in KY 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 KY 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.

Kentucky FHA loan limits are set above the floor amount in areas near Louisville and Cincinnati, OH. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

New Jersey FHA Loan Limits

By Spencer Llewellyn at 4:08 am on November 15, 2013
New Jersey FHA Loan Limits

What are FHA Loan Limits in New Jersey?

FHA loans are a low down payment mortgage program and New Jersey 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 New Jersey are set above the floor amount of $275,665 across the entire state.

New Jersey FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ATLANTICATLANTIC CITY-HAMMONTON, NJ$331,760$424,800$513,450$638,100
BERGENNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
BURLINGTONPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD$408,250$522,600$631,750$785,100
CAMDENPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD$408,250$522,600$631,750$785,100
CAPE MAYOCEAN CITY, NJ$414,000$530,000$640,650$796,150
CUMBERLANDVINELAND-BRIDGETON, NJ$331,760$424,800$513,450$638,100
ESSEXNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
GLOUCESTERPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD$408,250$522,600$631,750$785,100
HUDSONNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
HUNTERDONNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
MERCERTRENTON-PRINCETON, NJ$345,000$441,650$533,850$663,450
MIDDLESEXNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
MONMOUTHNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
MORRISNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
OCEANNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
PASSAICNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
SALEMPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD$408,250$522,600$631,750$785,100
SOMERSETNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
SUSSEXNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
UNIONNEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
WARRENALLENTOWN-BETHLEHEM-EASTON, PA-NJ$372,600$477,000$576,550$716,550

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

How are New Jersey FHA Limits Set?

New Jersey FHA Loan LimitsMortgage limits for New Jersey 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.

New Jersey FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in New Jersey 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 New Jersey 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.

New Jersey FHA loan limits are set above the nationwide floor amount in Newark, Perth Amboy, Vineland, Union, Piscataway, New Brunswick, Hoboken, Plainfield, Jersey City and all other areas in the state. 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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