2025 FHA Loan Limits
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ℹ This FHA loan limit lookup tool shows single-family home limits for 2025. See the table below for the latest multi-family FHA home loan limits.
About FHA Loan Limits
FHA loan limits are the maximum amount of money you can borrow to buy or refinance your home using a standard FHA loan. These limits are set by the Federal Housing Administration each year and vary by county. The FHA sets specific loan limits for the following types of homes:
- Single-Family Home
- Duplex
- Triplex
- Fourplex
If you want to take advantage of the FHA loan program, look up the local area loan limit for the home you want to buy. If you need to borrow above the loan limit in your area, consider applying for a Jumbo FHA loan.
Questions? Read more about FHA loan limits.
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Start NowSingle-Family FHA Loan Limits
A single-family FHA loan is the most common way homebuyers leverage the FHA home loan program. Single-family refers to the home itself, meaning that a single-family FHA loan will be used to finance a one-unit property that a family will use as a primary residence.
The baseline limit for single-family FHA loans in 2025 is $524,225, up from $498,257 in , and applies to most counties in the United States. However, your FHA loan limit may be higher depending on the area you plan to purchase. See the table below for a full list of single-family loan limits for 2025.
2025 Single-Family FHA Loan Limits
| Loan Limit Area | Single-Family Home |
|---|---|
| Low-Cost Area | $524,225 |
| High-Cost Area | $1,209,750 |
| Special Exception Area* | $1,814,625 |
Multi-Family FHA Loan Limits
FHA loans can be used to purchase multi-family—also known as multi-unit—properties if you plan to use one of the units as a primary residence. For example, you can use an FHA loan to purchase a duplex, live in one of the units and rent the other unit to earn additional revenue.
Multi-family FHA loans can be used to finance up to 4 units, and FHA loan limits are raised for each additional unit. As with a typical single-family FHA loan, multi-family FHA loan limits vary based on the cost of living in the area. See the table below for the latest multi-family FHA loan limits.
2024 Multi-Family FHA Loan Limits
| Loan Limit Area | Duplex | Triplex | Fourplex |
|---|---|---|---|
| Low-Cost Area | $671,200 | $811,275 | $958,350 |
| High-Cost Area | $1,548,975 | $1,872,225 | $2,808,325 |
| Special Exception Area* | $1,008,300 | $2,326,875 | $3,490,300 |
*About FHA Special Exeption Areas
Alaska, Hawaii, Guam and the U.S. Virgin Islands have special, higher FHA loan limits. These special exception limits are set at 150% of the national conforming loan limit.
How FHA Loan Limits are Calculated
FHA loan limits are determined by two things: the type of property you are purchasing (single-family home, duplex, triplex, fourplex) and the area you are purchasing a home.
As mentioned above, some locations are deemed “high-cost,” so FHA loan limits are calculated to reflect that.
High-cost areas are determined by the average income level, market conditions, and the average cost of homes in the area.
What If You Need a Loan Over the FHA Loan Limit?
What happens if you’ve found your dream home and then find out you need more than the FHA loan limit? In this case, you’ll want to look into FHA Jumbo Loans. FHA Jumbo Loans are mortgages that are higher than the county loan limit in your area.
For example, if your county loan limit is $524,225 and the home you want to buy is $600,000, you’ll need to use an FHA jumbo loan. Jumbo Loans typically come with higher credit requirements, so be sure to speak with an FHA loan specialist to see where you stand.
Another option for borrowing over the FHA loan limit is to make up the difference in your down payment. Because FHA loans only require 3.5% down, you may want to consider bumping up your down payment when looking to go over the limit.
Learn more about FHA Jumbo Loans here.