FHA has released the new 2025 loan limits for this year. Nearly all counties across the nation saw an increase as expected. This is great news for homebuyers utilizing FHA financing as now their borrowing potential is higher.
For 2025, the FHA mortgage limits were set to $524,225 for a 1-unit single-family home. This limit covers 80% of the country. The FHA mortgage limits increase accordingly for multi-unit properties, as seen in the chart below.
For high-cost locations, the FHA loan limit was set as high as $1,209,750 for 1-unit single-family home loans. This represents the highest amount that a borrower can get through the FHA loan program. Again, this applies to specific high-cost locations, many in California, New York, South Florida Colorado, Hawaii, etc.
Any buyers that have questions about a new FHA purchase or refinance loan can contact us 7 days a week by calling the number below or just submit the Info Request Form on this page.
| Low-Cost Area | High-Cost Area | |
| 1 Unit | $524,225 | $1,209,750 |
| 2 Units | $671,200 | $1,548,975 |
| 3 Units | $811,275 | $1,872,225 |
| 4 Units | $1,008,300 | $2,326,875 |