What Are FHA Loan Limits? | The 2 Mortgage Guys

FHA sets county loan limits each year for one- to four-unit homes. See how limits work and confirm your county with The 2 Mortgage Guys.

What Are FHA Loan Limits? | The 2 Mortgage Guys

FHA sets county loan limits each year for one- to four-unit homes. See how limits work and confirm your county with The 2 Mortgage Guys.

What Are FHA Loan Limits?

How FHA Loan Limits Work

What If You Need More Than the Limit?

What We Verify for Your Offer

How We Lock In the Right Limit

Keep Exploring

Related Calculators

Frequently Asked Questions

Confirm Your County FHA Limit

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CLIENT BENEFITS

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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.

Step

Related guides to help you compare options and move toward pre-approval.

Run the numbers before you apply — then get a real pre-approval from Ryan or Steve.

2MG Daily

Recent articles from our blog on FHA loan limits and financing strategy.

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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.

Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at .

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Ryan Minick NMLS# 203249

Steve DeLon NMLS# 202876

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1221 Appletree Lane, Kokomo, IN 46902

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