FHA Loan Limits for 2026: What Buyers Should Know

FHA loan limits are updated every year. They set the most you can borrow with an FHA-insured mortgage, and they depend on your county and the type of property.

What Are the 2026 FHA Loan Limits?

For a one-unit home, FHA limits range from $541,287 in low-cost areas to $1,249,125 in high-cost areas. These limits apply to FHA case numbers assigned on or after January 1, 2026. Alaska, Hawaii, Guam, and the U.S. Virgin Islands have their own adjusted limits.

How FHA Loan Limits Are Set

Limits are tied to local home prices and the property type, so a two-unit property has a higher limit than a one-unit home. Any area where the limit is above the national floor is considered a high-cost area.

If you need more than your county's FHA limit, another option, such as a conventional or jumbo loan, may fit better.

Finding Your County's Limit

You can look up your county's limit using the search tool on HUD's website, or contact us and we'll check it for you.

FHA Limits and Reverse Mortgages

The FHA also insures Home Equity Conversion Mortgages, the most common type of reverse mortgage. These have one maximum claim amount nationwide, which is $1,249,125 for 2026, up from $1,209,750 in 2025.

Thinking About an FHA Loan?

FHA loans offer low down payment options and flexible credit guidelines. If you're looking to buy or refinance with an FHA loan, contact us and we'll help you see whether it's the right fit.

Loan limits are set by HUD and can change each year. Program availability and requirements may vary.