FHA maximum loan limits for 2019

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 $314,827 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

2019 FHA High Cost County Limits

The high cost county list contains the US counties that are greater then $726,525 (2019).

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)

2019 FHA Lower Cost County Limits

The lower cost county list contains the US counties that are greater than $314,827 (typical limit for a one unit or single family residence).
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 - 1/2019

PA COUNTYOne-Family Two-Family Three-Family Four-Family Median Sales Price
Adams314,827403,125487,250605,525168,000
Allegheny314,827403,125487,250605,525218,000
Armstrong314,827403,125487,250605,525218,000
Beaver314,827403,125487,250605,525218,000
Bedford314,827403,125487,250605,52591,000
Berks314,827403,125487,250605,525150,000
Blair314,827403,125487,250605,52598,000
Bradford314,827403,125487,250605,525103,000
Bucks402,500515,250622,850774,050335,000
Butler314,827403,125487,250605,525218,000
Cambria314,827403,125487,250605,52560,000
Cameron314,827403,125487,250605,52573,000
Carbon372,600477,000576,550716,550220,000
Centre314,827403,125487,250605,525217,000
Chester402,500515,250622,850774,050335,000
Clarion314,827403,125487,250605,52572,000
Clearfield314,827403,125487,250605,52572,000
Clinton314,827403,125487,250605,525120,000
Columbia314,827403,125487,250605,525152,000
Crawford314,827403,125487,250605,52575,000
Cumberland314,827403,125487,250605,525190,000
Dauphin314,827403,125487,250605,525190,000
Delaware402,500515,250622,850774,050335,000
Elk314,827403,125487,250605,52585,000
Erie314,827403,125487,250605,525112,000
Fayette314,827403,125487,250605,525218,000
Forest314,827403,125487,250605,52540,000
Franklin314,827403,125487,250605,525160,000
Fulton314,827403,125487,250605,525113,000
Greene314,827403,125487,250605,52573,000
Huntingdon314,827403,125487,250605,52587,000
Indiana314,827403,125487,250605,52592,000
Jefferson314,827403,125487,250605,52560,000
Juniata314,827403,125487,250605,525120,000
Lackawanna314,827403,125487,250605,525161,000
Lancaster314,827403,125487,250605,525194,000
Lawrence314,827403,125487,250605,52576,000
Lebanon314,827403,125487,250605,525155,000
Lehigh372,600477,000576,550716,550220,000
Luzerne314,827403,125487,250605,525161,000
Lycoming314,827403,125487,250605,525131,000
Mckean314,827403,125487,250605,52549,000
Mercer314,827403,125487,250605,52579,000
Mifflin314,827403,125487,250605,52570,000
Monroe314,827403,125487,250605,525130,000
Montgomery402,500515,250622,850774,050335,000
Montour314,827403,125487,250605,525152,000
Northampton372,600477,000576,550716,550220,000
Northumberland314,827403,125487,250605,52564,000
Perry314,827403,125487,250605,525190,000
Philadelphia402,500515,250622,850774,050335,000
Pike726,525930,3001,124,4751,397,4001,028,000
Potter314,827403,125487,250605,52565,000
Schuylkill314,827403,125487,250605,52575,000
Snyder314,827403,125487,250605,525129,000
Somerset314,827403,125487,250605,52590,000
Sullivan314,827403,125487,250605,52582,000
Susquehanna314,827403,125487,250605,52595,000
Tioga314,827403,125487,250605,52598,000
Union314,827403,125487,250605,525160,000
Venango314,827403,125487,250605,52559,000
Warren314,827403,125487,250605,52570,000
Washington314,827403,125487,250605,525218,000
Wayne314,827403,125487,250605,525137,000
Westmoreland314,827403,125487,250605,525218,000
Wyoming314,827403,125487,250605,525161,000
York314,827403,125487,250605,525169,000

1. Are FHA loans assumable?

2. Are FHA loans good?

3. Are FHA loans only for first time home buyers?

4. Are there disadvantages of the FHA Home Loan?

5. Can a FHA loan be used for mobile home?

6. Can FHA loans have a cosigner?

7. Can I qualify for an FHA loan?

8. Can the down payment on FHA be a gift?

9. Can FHA down payment be a gift?

10. Can the lender pay my closing costs?

11. Can FHA loans be refinanced?

12. Can I buy foreclosure with FHA loan?

13. Can I get an FHA loan with bad credit?

14. Do FHA loans have points?

15. Do FHA loans require pmi?

16. Does the FHA allow seller rent back?

17. Does the FHA require cash reserves?
18. Can you remove pmi from an FHA loan?

19. Do FHA loans require pmi?

20. Do FHA loans require mortgage insurance?

21. Does FHA require collections to be paid off for a borrower to be eligible for FHA financing?

22. Does the FHA require termite inspection?

23. How do you know if a condo is FHA approved?

24. How many FHA loans can you have?

25. How much is the FHA down payment?

26. How To Stop An FHA Foreclosure

27. Is there an FHA inspection?

28. What are the benefits of an FHA mortgage?

29. What is the debt to income ratio for FHA loans?

30. What is the difference between conventional and FHA home loans?

31. What is the Federal Housing Administration?