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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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

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.

FHA Home Loan Options In Natural Disaster Areas

May 16, 2024 - There are many articles about FHA loan options for those who have had houses damaged or destroyed by a wildfire, flood, or other natural disaster. But what about FHA borrowers who have applied for FHA home loans, but have yet to close the deal with disaster strikes?

What to Know About Second Appraisals

May 15, 2024 - In 2024, the FHA and HUD modified important aspects of the FHA single-family home loan appraisal guidelines to incorporate reforms to reconsider appraisals due to defects, policy violations, and other issues.

What to Ask When Comparing Lenders

May 14, 2024 - Whether you want to buy a starter home or if you plan to purchase a four-unit property and rent out the unused units to paying tenants, it will be necessary to compare lenders and it helps to have a list of standard issues you want to review with each.

What to Do Before You Apply for an FHA Mortgage

May 13, 2024 - You’ve saved your down payment funds, researched the housing market, and worked on your credit. When you apply to be pre-approved or prequalified for an FHA mortgage, there are a few things to review before you start filling out the forms.

Revised FHA and HUD Appraisal Guidelines

May 12, 2024 - The FHA and HUD have revised appraisal rules for FHA single-family loans. The revisions are meant to address issues including housing discrimination at the appraisal level, and provide home buyers with clarified guidelines to contest an appraisal or request a reconsideration of value (ROV).

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!