Limits Guide

What Are FHA Loan Limits?

FHA caps how much you can borrow based on your county and the number of units. Limits update annually and are higher in high-cost areas. Ryan and Steve confirm the exact limit for your purchase price and county before you write an offer.

Get Pre-Approved FHA Overview

How FHA Loan Limits Work

Limits protect the FHA insurance fund and still leave room for most entry-level and mid-market purchases.

What If You Need More Than the Limit?

Going over the FHA ceiling does not end your home search — it changes the financing mix.

Increase down payment so the loan amount fits under the FHA cap
Compare conventional conforming if your credit and reserves qualify
Look at jumbo financing for higher purchase prices
Consider a different price point or property type
Ask about multi-unit FHA limits if you will owner-occupy 2–4 units

What We Verify for Your Offer

Limits are easy to get wrong if you use last year’s number or the wrong county.

Current HUD limit for the property county
Unit count (1–4) and occupancy plan
Purchase price vs. maximum loan amount
Down payment needed to stay FHA-eligible
Backup programs if the price exceeds FHA

How We Lock In the Right Limit

Know your ceiling before you shop — not after you fall in love with a house.

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Keep Exploring

Related guides to help you compare options and move toward pre-approval.

What Is an FHA Loan?

How FHA financing works beyond loan limits.

Can I Buy With 3.5% Down?

Low-down FHA purchases within county limits.

Who Qualifies for FHA Financing?

Credit, income, and occupancy basics.

Jumbo Loans

Options when the price exceeds FHA and conforming caps.

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Recent articles from our blog on FHA loan limits and financing strategy.

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Frequently Asked Questions

Confirm Your County FHA Limit

Tell Ryan & Steve where you are buying — we will verify the current FHA limit and whether FHA, conventional, or jumbo fits best.

Get Pre-Approved Contact Us