FHA loan limits in 2025

FHA loan limits have increased again for a new year. Here’s what to know if you’re hoping to apply for this low-down payment mortgage in 2025.

2025 FHA lending limits

For single-family home loans this year, the FHA loan limits range from a floor of $524,225 to a ceiling of $1,209,750. More expensive areas outside the continental U.S. have even higher FHA loan limits.

What is the maximum FHA loan amount for your area?

To help you find the limit for any county or state, we’ve listed the links to limits in each state below. HUD also has an online search tool to help you find FHA loan limits. You can search by county or state.

How are FHA loan limits determined?

The U.S. Department of Housing and Urban Development (HUD), which oversees the Federal Housing Administration (FHA), calculates loan limits annually by looking at two factors: conforming loan limits for conventional loans and home prices in a given area. The Federal Housing Finance Agency (FHFA), which oversees Fannie Mae and Freddie Mac, establish the conforming loan limits, also on an annual basis.

The FHA “floor” limit is 65 percent of the conforming limit. In 2025, the conforming floor limit for a one-unit property is $806,500. That means the FHA floor limit for a one-unit property is $524,225. The FHA “ceiling” or upper limit is also based on the conforming ceiling limit.

The FHA is also required by law to set the loan limit at 115 percent of the median home sale price, subject to the national floor and ceiling. If a specific county has a median home price that exceeds 115 percent of the floor, the FHA loan limit is adjusted upward.

Other FHA loan requirements

Besides loan limits, FHA loans have specific requirements for borrowers that set them apart from other loans:

• Minimum credit score: 580 with 3.5 percent down; 500 with 10 percent down
• Minimum down payment: 3.5 percent with a credit score of 580 or better; 10 percent with a credit score of 500 – 579
• Debt-to-income (DTI) ratio: No more than 43 percent
• FHA mortgage insurance: You’ll be required to pay both an upfront mortgage insurance premium (MIP) at closing and annual MIP, typically rolled into your monthly payment.

How to shop for a FHA loan

While FHA loans are insured by the government, they’re originated and funded by private mortgage lenders. That means the actual terms and rates are set by the individual bank, credit union or mortgage company, and can vary from lender to lender. Here are our guides to help you get the best possible rate and terms:

• How to improve your credit score for a mortgage
• How to improve your finances before getting a mortgage
• How to compare mortgage offers

Frequently asked questions

• What is the maximum you can borrow on an FHA loan?

  The maximum amount you can borrow with an FHA loan varies based on where you live. The highest lending limit for a single-unit property in 2025 is $1,814,625 for borrowers in Alaska, Hawaii, Guam and the U.S. Virgin Islands. FHA lending limits are higher for multi-family properties.

• What is the salary cap for FHA loans?

  FHA loans don’t have a salary cap. Borrowers in any income bracket may qualify. But FHA loans do have other requirements for borrowers’ credit scores, DTI ratios and minimum down payments.

• What are the FHA loan limits for multi-family properties?

  Just like the FHA loan limits for single-family properties, limits for multi-family properties also vary by location. The highest limit in 2025 is $3,490,300, for four-unit properties in Alaska, Hawaii, Guam and the U.S. Virgin Islands.

• Can I buy a house that exceeds FHA loan limits?

  Yes, it is possible to buy a house that exceeds the FHA loan limits. However, you will need to pay the difference between the loan limit and the purchase price as part of your down payment. You may also decide to apply for a conventional mortgage instead.