fhaloans.guide logo FHA Loan Limits By State for 2024

Last Updated: Tue, January 2, 2024
Lowest Loan Limit ($958,350) †
Highest Loan Limit ($2,211,600)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

State Lowest Loan Limit Highest Loan Limit
Alaska $498,257 $1,127,900 view rates »
Alabama $498,257 $958,350 view rates »
Arkansas $498,257 $958,350 view rates »
American Samoa $498,257 $958,350 view rates »
Arizona $498,257 $1,019,550 view rates »
California $498,257 $2,211,600 view rates »
Colorado $498,257 $2,211,600 view rates »
Connecticut $498,257 $1,382,250 view rates »
District Of Columbia $1,149,825 $2,211,600 view rates »
Delaware $498,257 $1,072,600 view rates »
Florida $498,257 $1,786,950 view rates »
Georgia $498,257 $1,249,550 view rates »
Guam $563,500 $1,083,650 view rates »
Hawaii $517,500 $1,979,350 view rates »
Iowa $498,257 $958,350 view rates »
Idaho $498,257 $2,211,600 view rates »
Illinois $498,257 $958,350 view rates »
Indiana $498,257 $958,350 view rates »
Kansas $498,257 $958,350 view rates »
Kentucky $498,257 $958,350 view rates »
Louisiana $498,257 $958,350 view rates »
Massachusetts $498,257 $2,211,600 view rates »
Maryland $498,257 $2,211,600 view rates »
Maine $498,257 $1,050,500 view rates »
Michigan $498,257 $958,350 view rates »
Minnesota $498,257 $990,800 view rates »
Missouri $498,257 $958,350 view rates »
Mariana Islands $498,257 $1,023,950 view rates »
Mississippi $498,257 $958,350 view rates »
Montana $498,257 $1,450,800 view rates »
North Carolina $498,257 $1,548,100 view rates »
North Dakota $498,257 $977,500 view rates »
Nebraska $498,257 $1,161,050 view rates »
New Hampshire $498,257 $1,658,700 view rates »
New Jersey $498,257 $2,211,600 view rates »
New Mexico $498,257 $1,203,100 view rates »
Nevada $498,257 $1,265,000 view rates »
New York $498,257 $2,211,600 view rates »
Ohio $498,257 $1,050,500 view rates »
Oklahoma $498,257 $958,350 view rates »
Oregon $498,257 $1,393,300 view rates »
Pennsylvania $498,257 $2,211,600 view rates »
Puerto Rico $498,257 $1,023,950 view rates »
Rhode Island $736,000 $1,415,400 view rates »
South Carolina $498,257 $1,127,900 view rates »
South Dakota $498,257 $1,041,650 view rates »
Tennessee $498,257 $1,813,500 view rates »
Texas $498,257 $1,099,150 view rates »
Utah $498,257 $2,211,600 view rates »
Virginia $498,257 $2,211,600 view rates »
Virgin Islands $498,257 $2,036,850 view rates »
Vermont $498,257 $995,200 view rates »
Washington $498,257 $1,879,850 view rates »
Wisconsin $498,257 $990,800 view rates »
West Virginia $498,257 $2,211,600 view rates »
Wyoming $498,257 $2,211,600 view rates »

What are loan limits?

FHA loan limits are the maximum allowed loan amount for Federal Housing Administration loans. FHA Loans are federally insured mortgages designed for middle- and working-class Americans. Because the loans are insured, lenders provide excellent rates for first time homeowners and those with poor or no credit history. FHA Loan limits are also used by the Department of Veterans Affairs as the cap on VA Loans.

Three types of loan limits:

  • FHA Loans — Federally insured mortgages for new homeowners.
  • HECM Loans — Home Equity Conversion Mortgages from seniors over 62.
  • Conventional Loans — Loans issued by Fannie Mae and Freddie Mac.

Learn more about how loan limits are determined »


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Source: https://fhaloans.guide/loan-limits