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FHA loan questions 18-31

PA FHA loan limits

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 356,362 for a single-family home or condominium are called jumbo FHA loans.

County Name One-Family Two-Family Three FamilyFour Family
ADAMS 356,362456,275551,500685,400
ALLEGHENY 356,362456,275551,500685,400
ARMSTRONG 356,362456,275551,500685,400
BEAVER 356,362456,275551,500685,400
BEDFORD 356,362456,275551,500685,400
BERKS 356,362456,275551,500685,400
BLAIR 356,362456,275551,500685,400
BRADFORD 356,362456,275551,500685,400
BUCKS 431,250552,050667,350829,350
BUTLER 356,362456,275551,500685,400
CAMBRIA 356,362456,275551,500685,400
CAMERON 356,362456,275551,500685,400
CARBON 372,600477,000576,550716,550
CENTRE 356,362456,275551,500685,400
CHESTER 431,250552,050667,350829,350
CLARION 356,362456,275551,500685,400
CLEARFIELD 356,362456,275551,500685,400
CLINTON 356,362456,275551,500685,400
COLUMBIA 356,362456,275551,500685,400
CRAWFORD 356,362456,275551,500685,400
CUMBERLAND 356,362456,275551,500685,400
DAUPHIN 356,362456,275551,500685,400
DELAWARE 431,250552,050667,350829,350
ELK 356,362456,275551,500685,400
ERIE 356,362456,275551,500685,400
FAYETTE 356,362456,275551,500685,400
FOREST 356,362456,275551,500685,400
FRANKLIN 356,362456,275551,500685,400
FULTON 356,362456,275551,500685,400
GREENE 356,362456,275551,500685,400
HUNTINGDON 356,362456,275551,500685,400
INDIANA 356,362456,275551,500685,400
JEFFERSON 356,362456,275551,500685,400
JUNIATA 356,362456,275551,500685,400
LACKAWANNA 356,362456,275551,500685,400
LANCASTER 356,362456,275551,500685,400
LAWRENCE 356,362456,275551,500685,400
LEBANON 356,362456,275551,500685,400
LEHIGH 372,600477,000576,550716,550
LUZERNE 356,362456,275551,500685,400
LYCOMING 356,362456,275551,500685,400
MCKEAN 356,362456,275551,500685,400
MERCER 356,362456,275551,500685,400
MIFFLIN 356,362456,275551,500685,400
MONROE 356,362456,275551,500685,400
MONTGOMERY 431,250552,050667,350829,350
MONTOUR 356,362456,275551,500685,400
NORTHAMPTON 372,600477,000576,550716,550
NORTHUMBERLAND 356,362456,275551,500685,400
PERRY 356,362456,275551,500685,400
PHILADELPHIA 431,250552,050667,350829,350
PIKE 822,3751,053,0001,272,7501,581,750
POTTER 356,362456,275551,500685,400
SCHUYLKILL 356,362456,275551,500685,400
SNYDER 356,362456,275551,500685,400
SOMERSET 356,362456,275551,500685,400
SULLIVAN 356,362456,275551,500685,400
SUSQUEHANNA 356,362456,275551,500685,400
TIOGA 356,362456,275551,500685,400
UNION 356,362456,275551,500685,400
VENANGO 356,362456,275551,500685,400
WARREN 356,362456,275551,500685,400
WASHINGTON 356,362456,275551,500685,400
WAYNE 356,362456,275551,500685,400
WESTMORELAND 356,362456,275551,500685,400
WYOMING 356,362456,275551,500685,400
YORK 356,362456,275551,500685,400

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

2021 FHA high cost county limits

The high cost county list contains the US counties that are greater than $822,375 (2021).

2021 FHA loan limits in high cost counties (PDF)
2020 FHA loan limits in high cost counties (PDF)
2019 FHA loan limits in high cost counties (PDF)
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)

2021 FHA lower cost county limits

The lower cost county list contains the US counties that are 356,362 (typical limit for a one unit or single-family residence).
 
2021 FHA loan limits below the high cost counties (PDF)
2020 FHA loan limits below the high cost counties (PDF)
2019 FHA loan limits below the high cost counties (PDF)
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 - 1/2021