How FHA county loan limits work, high-cost areas, and what to do if your price is over the cap. The 2 Mortgage Guys at Luminate Bank, nationwide.
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FHA Loans
Loan Limits
FHA caps how much you can borrow based on your county and the number of units. Limits update annually and are higher in high-cost areas. Ryan and Steve confirm the exact limit for your purchase price and county before you write an offer.
Limits protect the FHA insurance fund and still leave room for most entry-level and mid-market purchases.
Going over the FHA ceiling does not end your home search — it changes the financing mix.
Limits are easy to get wrong if you use last year’s number or the wrong county.
Know your ceiling before you shop — not after you fall in love with a house.
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Tell Ryan & Steve where you are buying — we will verify the current FHA limit and whether FHA, conventional, or jumbo fits best.