FHA Limits — FHA Maximum Loan Limits
Published by U.S. Department of Housing and Urban Development (HUD)· annual
The maximum FHA-insured loan amount per county, ranging from $524,225 (national floor) to $1,249,125 (high-cost ceiling).
In Detail
Federal Housing Administration (FHA) loan limits cap the size of mortgage the government will insure on a single-family home. Limits vary by county based on local median home prices, with floors of $524,225 in low-cost areas and ceilings up to $1,249,125 in designated high-cost areas (most NYC, SF, LA metros). HUD publishes the limits annually. ValiFit looks up county-specific FHA limits on every affordability calculation — a buyer in Bergen County NJ sees a $1.25M FHA ceiling, the same buyer searching in low-cost Warren County NJ sees a $541K ceiling. Critical for accurate buying-power calculations and for filtering listings to FHA-eligible inventory.
Primary Federal Source
https://entp.hud.gov/idapp/html/hicostlook.cfmValiFit re-publishes and explains this federal data. The official source is the U.S. Department of Housing and Urban Development (HUD).
How ValiFit uses FHA Limits
- Per-county affordability calculations
- Listing FHA-eligibility tagging
- Multi-loan reach analysis