Puerto Rico 2022 FHA Loan Limits

Last Updated: Tue, December 6, 2022

Loan Limits in Puerto Rico

Puerto Rico has 78 counties with FHA Limits ranging from a low of $420,680 for a 1-bedroom unit in Adjuntas Municipio to a high of $1,023,950 for a 4-bedroom unit in Culebra Municipio.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Puerto Rico's counties, choose the county from the interactive map or the list below.

Lowest Loan Limit ($809,150) †

Highest Loan Limit ($1,023,950)

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

Loan Limits by County in Puerto Rico (78 counties)

County	Single Unit Limit (lowest)	Four-Plex Limit (highest)
Adjuntas Municipio	$420,680	$809,150	view details »
Aguada Municipio	$420,680	$809,150	view details »
Aguadilla Municipio	$420,680	$809,150	view details »
Aguas Buenas Municipio	$420,680	$809,150	view details »
Aibonito Municipio	$420,680	$809,150	view details »
Anasco Municipio	$420,680	$809,150	view details »
Arecibo Municipio	$420,680	$809,150	view details »
Arroyo Municipio	$420,680	$809,150	view details »
Barceloneta Municipio	$420,680	$809,150	view details »
Barranquitas Municipio	$420,680	$809,150	view details »
Bayamon Municipio	$420,680	$809,150	view details »
Cabo Rojo Municipio	$420,680	$809,150	view details »
Caguas Municipio	$420,680	$809,150	view details »
Camuy Municipio	$420,680	$809,150	view details »
Canovanas Municipio	$420,680	$809,150	view details »
Carolina Municipio	$420,680	$809,150	view details »
Catano Municipio	$420,680	$809,150	view details »
Cayey Municipio	$420,680	$809,150	view details »
Ceiba Municipio	$420,680	$809,150	view details »
Ciales Municipio	$420,680	$809,150	view details »
Cidra Municipio	$420,680	$809,150	view details »
Coamo Municipio	$420,680	$809,150	view details »
Comerio Municipio	$420,680	$809,150	view details »
Corozal Municipio	$420,680	$809,150	view details »
Culebra Municipio	$532,450	$1,023,950	view details »
Dorado Municipio	$420,680	$809,150	view details »
Fajardo Municipio	$420,680	$809,150	view details »
Florida Municipio	$420,680	$809,150	view details »
Guanica Municipio	$420,680	$809,150	view details »
Guayama Municipio	$420,680	$809,150	view details »
Guayanilla Municipio	$420,680	$809,150	view details »
Guaynabo Municipio	$420,680	$809,150	view details »
Gurabo Municipio	$420,680	$809,150	view details »
Hatillo Municipio	$420,680	$809,150	view details »
Hormigueros Municipio	$420,680	$809,150	view details »
Humacao Municipio	$420,680	$809,150	view details »
Isabela Municipio	$420,680	$809,150	view details »
Jayuya Municipio	$420,680	$809,150	view details »
Juana Diaz Municipio	$420,680	$809,150	view details »
Juncos Municipio	$420,680	$809,150	view details »
Lajas Municipio	$420,680	$809,150	view details »
Lares Municipio	$420,680	$809,150	view details »
Las Marias Municipio	$420,680	$809,150	view details »
Las Piedras Municipio	$420,680	$809,150	view details »
Loiza Municipio	$420,680	$809,150	view details »
Luquillo Municipio	$420,680	$809,150	view details »
Manati Municipio	$420,680	$809,150	view details »
Maricao Municipio	$420,680	$809,150	view details »
Maunabo Municipio	$420,680	$809,150	view details »
Mayaguez Municipio	$420,680	$809,150	view details »
Moca Municipio	$420,680	$809,150	view details »
Morovis Municipio	$420,680	$809,150	view details »
Naguabo Municipio	$420,680	$809,150	view details »
Naranjito Municipio	$420,680	$809,150	view details »
Orocovis Municipio	$420,680	$809,150	view details »
Patillas Municipio	$420,680	$809,150	view details »
Penuelas Municipio	$420,680	$809,150	view details »
Ponce Municipio	$420,680	$809,150	view details »
Quebradillas Municipio	$420,680	$809,150	view details »
Rincon Municipio	$420,680	$809,150	view details »
Rio Grande Municipio	$420,680	$809,150	view details »
Sabana Grande Municipio	$420,680	$809,150	view details »
Salinas Municipio	$420,680	$809,150	view details »
San German Municipio	$420,680	$809,150	view details »
San Juan Municipio	$420,680	$809,150	view details »
San Lorenzo Municipio	$420,680	$809,150	view details »
San Sebastian Municipio	$420,680	$809,150	view details »
Santa Isabel Municipio	$420,680	$809,150	view details »
Toa Alta Municipio	$420,680	$809,150	view details »
Toa Baja Municipio	$420,680	$809,150	view details »
Trujillo Alto Municipio	$420,680	$809,150	view details »
Utuado Municipio	$420,680	$809,150	view details »
Vega Alta Municipio	$420,680	$809,150	view details »
Vega Baja Municipio	$420,680	$809,150	view details »
Vieques Municipio	$420,680	$809,150	view details »
Villalba Municipio	$420,680	$809,150	view details »
Yabucoa Municipio	$420,680	$809,150	view details »
Yauco Municipio	$420,680	$809,150	view details »

How to qualify for an FHA Loan in Puerto Rico?

To qualify for an FHA loan in Puerto Rico, your home loan must be below the local FHA loan limits in your area. For 2022, the maximum loan limit in Puerto Rico is $420,680 for a single-family home and $1,023,950 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Puerto Rico. Additional restricts apply. Click on the Puerto Rico map above or the table below to see loan limits in your area.

Puerto Rico 2022 FHA Loan Limits

Loan Limits in Puerto Rico

Loan Limits by County in Puerto Rico (78 counties)

How to qualify for an FHA Loan in Puerto Rico?

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