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Puerto Rico 2021 FHA Loan Limits

Last Updated: Sat, January 2, 2021

Loan Limits in Puerto Rico

Puerto Rico has 78 counties with FHA Limits ranging from a low of $356,362 for a 1-bedroom unit in Adjuntas Municipio to a high of $740,850 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 ($685,400) †
Highest Loan Limit ($740,850)

† 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 $356,362 $685,400 view details »
Aguada Municipio $356,362 $685,400 view details »
Aguadilla Municipio $356,362 $685,400 view details »
Aguas Buenas Municipio $385,250 $740,850 view details »
Aibonito Municipio $385,250 $740,850 view details »
Anasco Municipio $356,362 $685,400 view details »
Arecibo Municipio $356,362 $685,400 view details »
Arroyo Municipio $356,362 $685,400 view details »
Barceloneta Municipio $385,250 $740,850 view details »
Barranquitas Municipio $385,250 $740,850 view details »
Bayamon Municipio $385,250 $740,850 view details »
Cabo Rojo Municipio $356,362 $685,400 view details »
Caguas Municipio $385,250 $740,850 view details »
Camuy Municipio $356,362 $685,400 view details »
Canovanas Municipio $385,250 $740,850 view details »
Carolina Municipio $385,250 $740,850 view details »
Catano Municipio $385,250 $740,850 view details »
Cayey Municipio $385,250 $740,850 view details »
Ceiba Municipio $385,250 $740,850 view details »
Ciales Municipio $385,250 $740,850 view details »
Cidra Municipio $385,250 $740,850 view details »
Coamo Municipio $356,362 $685,400 view details »
Comerio Municipio $385,250 $740,850 view details »
Corozal Municipio $385,250 $740,850 view details »
Culebra Municipio $356,362 $685,400 view details »
Dorado Municipio $385,250 $740,850 view details »
Fajardo Municipio $385,250 $740,850 view details »
Florida Municipio $385,250 $740,850 view details »
Guanica Municipio $356,362 $685,400 view details »
Guayama Municipio $356,362 $685,400 view details »
Guayanilla Municipio $356,362 $685,400 view details »
Guaynabo Municipio $385,250 $740,850 view details »
Gurabo Municipio $385,250 $740,850 view details »
Hatillo Municipio $356,362 $685,400 view details »
Hormigueros Municipio $356,362 $685,400 view details »
Humacao Municipio $385,250 $740,850 view details »
Isabela Municipio $356,362 $685,400 view details »
Jayuya Municipio $356,362 $685,400 view details »
Juana Diaz Municipio $356,362 $685,400 view details »
Juncos Municipio $385,250 $740,850 view details »
Lajas Municipio $356,362 $685,400 view details »
Lares Municipio $356,362 $685,400 view details »
Las Marias Municipio $356,362 $685,400 view details »
Las Piedras Municipio $385,250 $740,850 view details »
Loiza Municipio $385,250 $740,850 view details »
Luquillo Municipio $385,250 $740,850 view details »
Manati Municipio $385,250 $740,850 view details »
Maricao Municipio $356,362 $685,400 view details »
Maunabo Municipio $385,250 $740,850 view details »
Mayaguez Municipio $356,362 $685,400 view details »
Moca Municipio $356,362 $685,400 view details »
Morovis Municipio $385,250 $740,850 view details »
Naguabo Municipio $385,250 $740,850 view details »
Naranjito Municipio $385,250 $740,850 view details »
Orocovis Municipio $385,250 $740,850 view details »
Patillas Municipio $356,362 $685,400 view details »
Penuelas Municipio $356,362 $685,400 view details »
Ponce Municipio $356,362 $685,400 view details »
Quebradillas Municipio $356,362 $685,400 view details »
Rincon Municipio $356,362 $685,400 view details »
Rio Grande Municipio $385,250 $740,850 view details »
Sabana Grande Municipio $356,362 $685,400 view details »
Salinas Municipio $356,362 $685,400 view details »
San German Municipio $356,362 $685,400 view details »
San Juan Municipio $385,250 $740,850 view details »
San Lorenzo Municipio $385,250 $740,850 view details »
San Sebastian Municipio $356,362 $685,400 view details »
Santa Isabel Municipio $356,362 $685,400 view details »
Toa Alta Municipio $385,250 $740,850 view details »
Toa Baja Municipio $385,250 $740,850 view details »
Trujillo Alto Municipio $385,250 $740,850 view details »
Utuado Municipio $356,362 $685,400 view details »
Vega Alta Municipio $385,250 $740,850 view details »
Vega Baja Municipio $385,250 $740,850 view details »
Vieques Municipio $356,362 $685,400 view details »
Villalba Municipio $356,362 $685,400 view details »
Yabucoa Municipio $385,250 $740,850 view details »
Yauco Municipio $356,362 $685,400 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 2021, the maximum loan limit in Puerto Rico is $356,362 for a single-family home and $740,850 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

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