2026 Loan Limits for FHA Mortgages

December 29, 2025

2026 Loan Limits for FHA Mortgages

The new forward mortgage loan limits in the table below are effective for FHA case numbers assigned on or after January 1, 2026. Notably, the maximum loan limits for FHA forward mortgages will rise in 3,151 counties.

Property Size	Low-Cost Area “Floor”	High-Cost Area “Ceiling”	Alaska, Hawaii, Guam, and U.S. Virgin Islands “Ceiling”
One Unit	$541,287	$1,249,125	$1,873,688
Two Units	$693,050	$1,599,375	$2,399,063
Three Units	$837,700	$1,933,200	$2,899,800
Four Units	$1,041,125	$2,402,625	$3,603,938

Click to View FHA Loan Limits to determine maximum loan limits available by county (once it is updated). Be sure to select the appropriate limit year (i.e., 2026). For the “Limit Type” on FHA select FHA Forward. For the “Limit Type” on VA (for Veterans with partial entitlement) select Fannie/Freddie, but, for VA, the 1 unit column applies as the maximum loan limit regardless of property type/units.