FHA Loan Limit Calculator Pro (USA)
Calculate your 2024 FHA borrowing limits based on location and property type.
Estimated FHA Loan Limit for
Floor (Minimum)
$0
Low Cost Areas
Your County Limit
$0
Based on Selection
Ceiling (Maximum)
$0
High Cost Areas
Note: These limits apply to FHA loans originated in 2024. HECM (Reverse Mortgage) limits may differ.
Understanding FHA Loan Limits (USA)
The Federal Housing Administration (FHA) sets loan limits that define the maximum amount you can borrow for an FHA-insured mortgage. These limits vary by county and are adjusted annually to reflect changes in housing prices.
Why Do Limits Vary by County?
FHA loan limits are tied to the conforming loan limits set by the Federal Housing Finance Agency (FHFA). In “high-cost” areas (where median home prices are elevated), the limit is higher. In most of the country, the “floor” limit applies.
2024 FHA Loan Limits Structure
- 1-Unit Property: Floor starts at $498,257; Ceiling goes up to $1,149,825.
- 2-Unit Property: Floor starts at $637,950; Ceiling goes up to $1,472,550.
- 3-Unit Property: Floor starts at $771,125; Ceiling goes up to $1,779,850.
- 4-Unit Property: Floor starts at $958,350; Ceiling goes up to $2,213,000.
Disclaimer: This tool is for informational purposes only. Please consult with an FHA-approved lender for official qualification and exact numbers.
