FHA maximum loan limits for 2018

FHA logoYou might be surprised to know that there are no income or sales price limits with an FHA loan, however, there are loans limits.

The maximum FHA loan limits are set each year by Congress.

Below you will find the “base” FHA loan limits for the Pennsylvania counties. FHA loans that exceed $294,515 for a single family home or condominium are called jumbo FHA loans.

The FHA funding fee can be added to the listed amounts. The minimum down payment with an FHA home loan is currently 3.5%. The down payment and upfront FHA funding fee has changed several times over the last few years. In addition to the upfront mortgage insurance premium, FHA loans also require a monthly mortgage insurance premium (mip). Read more

2018 FHA High Cost County Limits

The high cost county list contains the US counties that are greater then $679,650  (2018).
2018 FHA loan limits in high cost counties (pdf)
2017 FHA loan limits in high cost counties (pdf)
2016 FHA loan limits in high cost counties (pdf)
2015 FHA loan limits in high cost counties (pdf)

2018 FHA Lower Cost County Limits

The lower cost county list contains the US counties that are greater than $294,515   (typical limit for a one unit or single family residence).
2018 FHA loan limits in lower cost counties (pdf)
2017 FHA loan limits in lower cost counties (pdf)
2016 FHA loan limits in lower cost counties (pdf)
2015 FHA loan limits in lower cost counties (pdf)

2016 FHA County Loan Limit Increases (pdf)

A single family home (or condominium) would represent one unit, two family would be a duplex, three family would be a triplex and four unit building. FHA home buyers. Last Revised - 1/1/2018

Current FHA Mortgage Rates

PA County One-Family Two-Family Three-Family Four-Family
Adams County 294,515 377,075 455,800 566,425
Allegheny County 294,515 377,075 455,800 566,425
Armstrong County 294,515 377,075 455,800 566,425
Beaver County 294,515 377,075 455,800 566,425
Bedford County 294,515 377,075 455,800 566,425
Berks County 294,515 377,075 455,800 566,425
Blair County 294,515 377,075 455,800 566,425
Bradford County 294,515 377,075 455,800 566,425
Bucks County 385,250 493,200 596,150 740,850
Butler County 294,515 377,075 455,800 566,425
Cambria County 294,515 377,075 455,800 566,425
Cameron County 294,515 377,075 455,800 566,425
Carbon County 372,600 477,000 576,550 716,550
Centre County 294,515 377,075 455,800 566,425
Chester County 385,250 493,200 596,150 740,850
Clarion County 294,515 377,075 455,800 566,425
Clearfield County 294,515 377,075 455,800 566,425
Clinton County 294,515 377,075 455,800 566,425
Columbia County 294,515 377,075 455,800 566,425
Crawford County 294,515 377,075 455,800 566,425
Cumberland County 294,515 377,075 455,800 566,425
Dauphin County 294,515 377,075 455,800 566,425
Delaware County 385,250 493,200 596,150 740,850
Elk County 294,515 377,075 455,800 566,425
Erie County 294,515 377,075 455,800 566,425
Fayette County 294,515 377,075 455,800 566,425
Forest County 294,515 377,075 455,800 566,425
Franklin County 294,515 377,075 455,800 566,425
Fulton County 294,515 377,075 455,800 566,425
Greene County 294,515 377,075 455,800 566,425
Huntingdon County 294,515 377,075 455,800 566,425
Indiana County 294,515 377,075 455,800 566,425
Jefferson County 294,515 377,075 455,800 566,425
Juniata County 294,515 377,075 455,800 566,425
Lackawanna County 294,515 377,075 455,800 566,425
Lancaster County 294,515 377,075 455,800 566,425
Lawrence County 294,515 377,075 455,800 566,425
Lebanon County 294,515 377,075 455,800 566,425
Lehigh County 372,600 477,000 576,550 716,550
Luzerne County 294,515 377,075 455,800 566,425
Lycoming County 294,515 377,075 455,800 566,425
Mckean County 294,515 377,075 455,800 566,425
Mercer County 294,515 377,075 455,800 566,425
Mifflin County 294,515 377,075 455,800 566,425
Monroe County 294,515 377,075 455,800 566,425
Montgomery County 385,250 493,200 596,150 740,850
Montour County 294,515 377,075 455,800 566,425
Northampton County 372,600 477,000 576,550 716,550
Northumberland County 294,515 377,075 455,800 566,425
Perry County 294,515 377,075 455,800 566,425
Philadelphia County 385,250 493,200 596,150 740,850
Pike County 679,650 870,225 1,051,875 1,307,175
Potter County 294,515 377,075 455,800 566,425
Schuylkill County 294,515 377,075 455,800 566,425
Snyder County 294,515 377,075 455,800 566,425
Somerset County 294,515 377,075 455,800 566,425
Sullivan County 294,515 377,075 455,800 566,425
Susquehanna County 294,515 377,075 455,800 566,425
Tioga County 294,515 377,075 455,800 566,425
Union County 294,515 377,075 455,800 566,425
Venango County 294,515 377,075 455,800 566,425
Warren County 294,515 377,075 455,800 566,425
Washington County 294,515 377,075 455,800 566,425
Wayne County 294,515 377,075 455,800 566,425
Westmoreland County 294,515 377,075 455,800 566,425
Wyoming County 294,515 377,075 455,800 566,425
York County 294,515 377,075 455,800 566,425