The Federal Housing Administration increased the loan limits for 2024 in 3,338 counties across the country in order to keep up with escalating home prices. FHA limits inform borrowers of the maximum allowable loan amount available to purchase a home for every county.

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FHA Loan Requirements

Lower Standards for Credit Scores and Down Payments

Whether you're a first-time homebuyer, moving to a new home, or want to refinance your existing conventional or FHA mortgage, the FHA loan program will let you purchase a home with a low down payment and flexible guidelines.

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3.5% Down


FHA loan limits were established to define how much you can borrow for a HUD-backed mortgage. Each state has different limits, so be sure to look up your state to understand what is available for your FHA home loan.

For 2024, the FHA floor was set at $498,257 for single-family home loans. This minimum lending amount covers most U.S. counties. The FHA ceiling represents the maximum loan amount and is illustrated in the table below.

FHA Limits (low cost areas)
SingleDuplexTri-plexFour-plex
$498,257$637,950$771,125$958,350

Also for 2024, the FHA ceiling was set at $1,149,825 for single-family home loans. This represents the highest amount that a borrower can get through the FHA loan program. It applies to high cost areas in the United States and is illustrated in the table below.

FHA Limits (high cost areas)
SingleDuplexTri-plexFour-plex
$1,149,825$1,472,250$1,779,525$2,211,600

Paying the upfront costs of buying a new home can be challenging. To help overcome this hurdle, many local and state agencies offer down payment assistance in the form of grants or second mortgages.

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FHA Loan Articles and Mortgage News

After Your FHA Home Loan Closes

May 30, 2024 - What do borrowers need to know about life after mortgage closing? There are a few standard things borrowers are typically better informed about toward the end of the home loan process than at the beginning. What to expect after closing day is one of those topics.

FHA Renovation Loan Tips

May 29, 2024 - The first thing to know about FHA renovation loans, also known as FHA 203(k) rehab loans, is that they are available to any financially qualified borrower, whether they are first-time home buyers or experienced homeowners.

Learn About Some Important FHA Loan Features

May 27, 2024 - What special features do FHA mortgages offer first-time homebuyers and repeat borrowers alike? There are several options to be aware of when you are in the planning and saving stages of the home loan. For example, the lender is forbidden from charging you an early payoff fee.

Mortgage Loans and Credit Report Fees

May 25, 2024 - Credit report fees have increased substantially over the last few years. Consumer Financial Protection Bureau Director Rohit Chopra notes, the credit reporting industry is dominated by three players including Equifax, Experian, and TransUnion.

Saving Early for Your FHA Loan Down Payment

May 24, 2024 - Saving early softens the financial blow in the best of times, but when the housing market looks like a recovery could still be half a year away, it pays to give yourself every advantage before making an offer on a home and applying for the FHA mortgage to buy it.

FHA Mortgage Options You Should Know About

May 23, 2024 - Those considering the purchase of a home should explore their FHA home loan options, but that advice isn’t limited just to the type of home loan available to you--FHA, conventional, USDA, VA, etc. There are FHA home loan options that may change the way you think about buying a home.

FHA Refinance Loan Rules You Should Know

May 22, 2024 - Some refinance loans are specifically to get a better deal. But others need to refinance to help avoid further hurting their credit scores or going into loan default because of missed payments. A borrower who gets behind on the old loan can catch up with the new loan, but time may be of the essence. 

Beware of Home Renovation Scams

May 21, 2024 - Are you looking for a builder to work on your roof, basement, or other areas? Do you need an electrician, plumber, or an energy-efficiency consultant? In all cases, never respond to third parties that offer you their services without you having contacted them first.

Avoid These Things When Planning an FHA Loan

May 19, 2024 - Many finance blogs and pundits write about what to do when planning and saving for a home loan. But what about the advice on what not to do before application time? A common mistake is sticking with your current lender without comparing your options elsewhere.

Questions to Ask the Seller Before You Buy a Home

May 17, 2024 - If you are new to house hunting, there are important questions to ask the seller of the property you want to buy. Sometimes, the answers are very important. Other times, the answers aren’t as important as the seller’s response to the question.

If you’re getting ready to shop around for mortgage options, it’s a good idea to brush up on some of the technical terms in our Mortgage Glossary. You’re going to be hearing a lot of them!