FHA mortgage loan limits for 2019

Nice house with a sold signThe FHA home loan is one of the easiest paths to homeownership. The FHA loan program was created during the 1930's to help low to moderate income individuals and families purchase homes with a low down payment, flexible credit requirements and reasonable closing costs.

The FHA loan program is open to first and non-first time home buyers and homeowners. The FHA loan is available to purchase a home (one to four units) and for refinance loans. Currently, the minimum credit score is as low as 500, however, applicants with a credit score under 580 requires a 10% minimum down payment. Home buyers with a credit score at or above 580 only need a 3.5% down payment.
Read more about the FHA loan program

FHA Income limits

There are no income limits with the FHA home loan.

Sales Price Limits

There are no sales price limits

FHA County Loan Limits

There are maximum loan limits with FHA home loans. The lending limit is set each year by the Federal Housing Finance Agency. The loan FHA loan limit is set loan limits at 115% of median house prices for the Metropolitan Statistical Area and county. Most US counties will have the following FHA lending limits for 2019:

  • 1-unit home - $314,827
  • 2-units (duplex) - $403,125
  • 3-units - $487,250
  • 4-units - $605,525

The high cost counties receive a higher lending limit:

1 Unit - $679,650
2 Units - $814,500
3 Units - $984,525
4 Units - $1,223,475

2019 FHA High Cost County Limit Exceptions

The high cost county list contains the US counties that are at or greater then $726,525 for 2019 (one family). 2019 FHA loan limits in high cost counties (pdf)

2019 FHA Lower Cost County Limit Exceptions

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)

Reverse Mortgage Lending Limits

Senior citizensThe reverse mortgage loan program for senior citizens falls under the jurisdiction of the FHA. The reverse mortgage program is officially called the Home Equity Conversion Mortgages (HECM).

The maximum reverse mortgage loan limit for 2019 is $726,525. The single limit applies to all mortgages regardless of where the property is located.
Read more about reverse mortgages

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?