1. Home
  2. Loan Limits
  3. Puerto Rico 2025

Puerto Rico 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in Puerto Rico

Puerto Rico has 78 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Adjuntas Municipio to a high of $1,326,950 for a 4-bedroom unit in Aguas Buenas 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 ($1,008,300) †
Highest Loan Limit ($1,326,950)

† 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 $524,225 $1,008,300 view details »
Aguada Municipio $524,225 $1,008,300 view details »
Aguadilla Municipio $524,225 $1,008,300 view details »
Aguas Buenas Municipio $690,000 $1,326,950 view details »
Aibonito Municipio $690,000 $1,326,950 view details »
Anasco Municipio $524,225 $1,008,300 view details »
Arecibo Municipio $524,225 $1,008,300 view details »
Arroyo Municipio $524,225 $1,008,300 view details »
Barceloneta Municipio $690,000 $1,326,950 view details »
Barranquitas Municipio $690,000 $1,326,950 view details »
Bayamon Municipio $690,000 $1,326,950 view details »
Cabo Rojo Municipio $524,225 $1,008,300 view details »
Caguas Municipio $690,000 $1,326,950 view details »
Camuy Municipio $524,225 $1,008,300 view details »
Canovanas Municipio $690,000 $1,326,950 view details »
Carolina Municipio $690,000 $1,326,950 view details »
Catano Municipio $690,000 $1,326,950 view details »
Cayey Municipio $690,000 $1,326,950 view details »
Ceiba Municipio $690,000 $1,326,950 view details »
Ciales Municipio $690,000 $1,326,950 view details »
Cidra Municipio $690,000 $1,326,950 view details »
Coamo Municipio $524,225 $1,008,300 view details »
Comerio Municipio $690,000 $1,326,950 view details »
Corozal Municipio $690,000 $1,326,950 view details »
Culebra Municipio $532,450 $1,023,950 view details »
Dorado Municipio $690,000 $1,326,950 view details »
Fajardo Municipio $690,000 $1,326,950 view details »
Florida Municipio $690,000 $1,326,950 view details »
Guanica Municipio $524,225 $1,008,300 view details »
Guayama Municipio $524,225 $1,008,300 view details »
Guayanilla Municipio $524,225 $1,008,300 view details »
Guaynabo Municipio $690,000 $1,326,950 view details »
Gurabo Municipio $690,000 $1,326,950 view details »
Hatillo Municipio $524,225 $1,008,300 view details »
Hormigueros Municipio $524,225 $1,008,300 view details »
Humacao Municipio $690,000 $1,326,950 view details »
Isabela Municipio $524,225 $1,008,300 view details »
Jayuya Municipio $524,225 $1,008,300 view details »
Juana Diaz Municipio $524,225 $1,008,300 view details »
Juncos Municipio $690,000 $1,326,950 view details »
Lajas Municipio $524,225 $1,008,300 view details »
Lares Municipio $524,225 $1,008,300 view details »
Las Marias Municipio $524,225 $1,008,300 view details »
Las Piedras Municipio $690,000 $1,326,950 view details »
Loiza Municipio $690,000 $1,326,950 view details »
Luquillo Municipio $690,000 $1,326,950 view details »
Manati Municipio $690,000 $1,326,950 view details »
Maricao Municipio $524,225 $1,008,300 view details »
Maunabo Municipio $690,000 $1,326,950 view details »
Mayaguez Municipio $524,225 $1,008,300 view details »
Moca Municipio $524,225 $1,008,300 view details »
Morovis Municipio $690,000 $1,326,950 view details »
Naguabo Municipio $690,000 $1,326,950 view details »
Naranjito Municipio $690,000 $1,326,950 view details »
Orocovis Municipio $690,000 $1,326,950 view details »
Patillas Municipio $524,225 $1,008,300 view details »
Penuelas Municipio $524,225 $1,008,300 view details »
Ponce Municipio $524,225 $1,008,300 view details »
Quebradillas Municipio $524,225 $1,008,300 view details »
Rincon Municipio $524,225 $1,008,300 view details »
Rio Grande Municipio $690,000 $1,326,950 view details »
Sabana Grande Municipio $524,225 $1,008,300 view details »
Salinas Municipio $524,225 $1,008,300 view details »
San German Municipio $524,225 $1,008,300 view details »
San Juan Municipio $690,000 $1,326,950 view details »
San Lorenzo Municipio $690,000 $1,326,950 view details »
San Sebastian Municipio $524,225 $1,008,300 view details »
Santa Isabel Municipio $524,225 $1,008,300 view details »
Toa Alta Municipio $690,000 $1,326,950 view details »
Toa Baja Municipio $690,000 $1,326,950 view details »
Trujillo Alto Municipio $690,000 $1,326,950 view details »
Utuado Municipio $524,225 $1,008,300 view details »
Vega Alta Municipio $690,000 $1,326,950 view details »
Vega Baja Municipio $690,000 $1,326,950 view details »
Vieques Municipio $524,225 $1,008,300 view details »
Villalba Municipio $524,225 $1,008,300 view details »
Yabucoa Municipio $690,000 $1,326,950 view details »
Yauco Municipio $524,225 $1,008,300 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 2025, the maximum loan limit in Puerto Rico is $524,225 for a single-family home and $1,326,950 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.


RELATED LINKS 
FHA Appraisers in Puerto Rico
FHA Inspectors in Puerto Rico
FHA Condos in Puerto Rico
FHA Lenders in Puerto Rico

Top

** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/puerto-rico