HUD · Federal Housing Administration
FHA county loan limit lookup.
Search HUD's 2026 county-level forward mortgage limit file for one- to four-unit properties.
2026 one-unit floor: $541,287. One-unit high-cost ceiling: $1,249,125. Multi-unit limits vary by county and property size.
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Select a county to compare its limit.
FHA limits are not the same as purchase prices
HUD's limit is the maximum base mortgage amount FHA will insure for the county and unit count. It is not the maximum purchase price: down payment, upfront mortgage insurance, underwriting and lender overlays still matter.
Official sources: HUD FHA Lenders / Maximum Mortgage Limits and HUD's CHUMS file layouts.
Limits apply to FHA case numbers assigned during calendar year 2026. Confirm the case-number timing and property eligibility with an FHA-approved lender.