These are the latest maximum loan amounts for Federal Housing Administration (FHA) 203(b) mortgages (one- to four-family owner-occupied properties).
Minimum (Floor) Amounts
Unless the property is located in a high-cost area, the current maximum mortgage limits for FHA-insured loans are:
| FHA 203(b) Floors | |
| One-family: $144,336 | Two-family: $184,752 |
| Three-family: $223,296 | Four-family: $277,512 |
Maximum (Ceiling) Amounts
The limits listed below are for high-cost areas, as defined by local HUD office staff.
| FHA 203(b) Ceilings | |
| One-family: $261,609 | Two-family: $334,863 |
| Three-family: $404724 | Four-family: $502,990 |
The FHA high-cost loan limits for Alaska, Guam, Hawaii and the Virgin Islands may be adjusted up to 150% of the new ceilings.
A complete list of FHA high cost areas is available via a state-by-state lookup table at the very useful FHA Web site. This list is continually updated, so if your area is not listed and you think it should be, be sure to check back (or ask your mortgage lender) before applying.
