FHA mortgage lending limits for 2024 vary based on a variety of housing types and the state and county in which the property is located. FHA loans are designed for borrowers who are unable to make a large down payment.

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FHA.com is a privately owned website, is not a government agency, and does not make loans.

2024 FHA Limits

Lending Limits for FHA Loans in Your State

The FHA has a maximum loan amount that it will insure, which is known as the FHA lending limit. These loan limits are calculated and updated annually and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. The type of home, such as single-family or duplex, can also affect these numbers.

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

FHA Loan Requirements

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FHA Loan Articles and Mortgage News

FHA One-Time Close Construction Loan Limits: Higher in 2024

January 23, 2024 - Do you want to build a home from the ground up? You can do this with low down payment requirements with an FHA One-Time Close Construction Loan. And construction loan borrowing power has increased in 2024 because FHA loan limits have increased from the previous year.

Why Did FHA Loan Limits Increase for 2024?

December 31, 2023 - 2024 is not the first year FHA loan limits were scheduled to increase in many housing markets in the United States. Higher FHA loan limits typically reflect the state of the housing market in the last year, and 2024 is no exception. How do lenders get these limits, and what affects those limits?

One-Time Close Construction Loans and 2024 Loan Limits

December 10, 2023 - Each year, the federal government reviews the national conforming loan limits. When conditions warrant an increase in those loan limits, they are adjusted for the new year, and the higher limits take effect on January 1st of the new year.