Some good news from the Federal Housing Administration (FHA) today as they announced the new 2025 FHA loan limits. Most of the nation will see an increase, according to a new letter from HUD.
FHA calculated 2025’s forward mortgage limits based on the median home prices in accordance with the National Housing Act. Loan limits are determined by county and are set as a percentage of national conforming loan limits, which were announced by HUD recently.
The FHA loan limit in most of the country for one-unit properties will be $524,225 — 65% of the national conforming loan limit of $806,500.
For two-unit properties, the limit is $671,200. Three-unit properties have a limit of $811,275, while four-unit properties have a limit of $1,008,300.
Note that HUD terms this $524,225 limit the “floor,” since it applies to the lowest-cost tier of counties nationwide. It is, however, the maximum FHA loan amount for each of those counties.
For high-cost counties, the FHA loan limit for one-unit properties is set at over $1.2m for some locations.
Buyers can search each county FHA mortgage limit here
| 2025 FHA loan limits | Most areas | High-cost areas |
|---|---|---|
| One unit | $524,225 | $1,209,750 |
| Two units | $671,200 | $1,548,975 |
| Three units | $811,275 | $1,872,225 |
| Four units | $1,008,300 | $2,326,875 |
Also, note that there are a few select locations where FHA mortgage caps are determined differently from the above calculations. The limits for these special locations, including Alaska, Hawaii, Guam, and the U.S. Virgin Islands, are adjusted by the FHA to account for higher construction costs. For these locations, the one-unit FHA limit is over $1.5 mil and goes even higher for multi-unit properties.
Please contact us today to learn more about FHA loans, we are available 7 days a week to serve you.