FHA Loans
2026 FHA Loan Limits: Updated Numbers for Every County
6 min read · 2025-05-22
FHA loan limits increased again for 2026. Find out the new numbers and what they mean for your home purchase.
Every year, the Federal Housing Administration adjusts loan limits based on national median home prices. For 2026, FHA limits have increased again, expanding access to FHA financing in high-cost areas and helping more buyers qualify for government-backed loans with low down payments.
2026 FHA Loan Limits
- Standard (floor — low-cost areas): $524,225 for a single-family home
- High-cost areas (ceiling): $1,209,750 for a single-family home
- 2-unit properties: $671,200 (floor) to $1,548,975 (ceiling)
- 3-unit properties: $811,275 (floor) to $1,872,225 (ceiling)
- 4-unit properties: $1,008,300 (floor) to $2,325,800 (ceiling)
How FHA Limits Are Calculated
FHA sets limits at 65% of the conforming loan limit for standard areas and 150% for high-cost areas. The limits vary by county — you can look up your county's specific limit on the HUD website. Over 200 counties qualify as high-cost areas.
If your target home price exceeds the FHA limit in your county, you'll need to either increase your down payment to stay within limits, or switch to a conventional loan.
Why FHA Loans Are Still Competitive in 2026
- Only 3.5% down payment required with 580+ credit score
- Accepts credit scores as low as 500 with 10% down
- DTI ratios up to 57% allowed
- Gift funds can cover 100% of down payment
- Down payment assistance programs widely compatible with FHA
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