FHA Raises New Loan Limits in Most Counties

December 18, 2018

The Federal Housing Administration announced new loan limits for 2019 in Mortgage Letter 18-11.

The maximum loan limits for FHA forward mortgages will rise in 3,053 counties due to robust increases in median housing prices and required changes to FHA’s floor and ceiling limits.

The 2019 loan limits are effective for FHA case numbers assigned on or after Jan. 1, 2019. FHA's nationwide forward mortgage limit "floor" and "ceiling" for a one-unit property in 2019 are $314,827 and $726,525, respectively.

Low-cost Area

The FHA national low-cost area mortgage limits, which are set at 65 percent of the national conforming limit of $484,350 for a one-unit property, are, by property unit number, as follows:

  • One-unit: $314,827
  • Two-unit: $403,125
  • Three-unit: $487,250
  • Four-unit: $605,525

High-cost Area

The FHA national high-cost area mortgage limits, which are set at 150 percent of the national conforming limit of $484,350 for a one-unit property, are, by property unit number, as follows:

  • One-unit: $726,525
  • Two-unit: $930,300
  • Three-unit: $1,124,475
  • Four-unit: $1,397,400

Click here to view a complete list of FHA loan limits.

In addition, the maximum claim amount in 2019 for Home Equity Conversion Mortgages (HECM) will be $726,525 for all areas


Contact ALTA at 202-296-3671 or communications@alta.org.

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