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FHA Loan Limit

The FHA loan limit is the maximum loan amount you can get for an FHA loan, which varies depending on the area you live in.

The loan limits for FHA loans are lower than those set by the Federal Housing Finance Agency (FHFA) for conforming conventional loans.

The 2023 FHA “floor” and “ceiling” are set at 65% and 150% of the national $726,200 one-unit home conforming loan limit, respectively. In 2023, the FHA floor for low-cost areas is set at $472,030 for single-family homes and the ceiling for high-cost areas is $1,089,300.

Check your county’s FHA loan limit using the U.S. Department of Housing and Urban Development (HUD) search tool.