The Division of Housing and City Growth (HUD) launched the brand new FHA mortgage limits for calendar 12 months 2026 in the present day.
As you most likely anticipated, they’ve risen from 2025 due to continued residence value appreciation on a nationwide foundation.
The brand new “ground” restrict, which is the minimal even when it exceeds the realm median value, might be $541,287 for a one-unit property, up 3.26% from $524,225 presently.
This represents 65% of the 2026 conforming mortgage restrict, which is quickly to rise to $832,750.
The brand new increased mortgage limits go into impact for FHA case numbers assigned on or after January 1st, 2026.
2026 FHA Low-Value Space Ground Mortgage Limits
One-unit property: $541,287
Two-unit property: $693,050
Three-unit property: $837,700
4-unit property: $1,041,125
As famous, the 2026 FHA ground mortgage limits, which apply to areas of the nation the place 115% of the median residence value is lower than the ground restrict, might be $541,287 for a one-unit property.
They step by step rise for duplexes, triplexes, and fourplexes. So these shopping for a multi-unit property with an FHA mortgage, maybe to “home hack,” will have the ability to qualify for even bigger loans in 2026.
These flooring are principally the smallest mortgage limits you’ll face nationwide when searching for out an FHA mortgage.
And in lots of areas they’ll truly be increased than the ground.
[Compare: FHA loan vs. conventional loan pros and cons]
2026 Excessive-Value Space Ceiling Mortgage Limits
One-unit property: $1,249,125
Two-unit property: $1,599,375
Three-unit property: $1,933,200
4-unit property: $2,402,625
As famous, there are increased mortgage limits in high-cost areas of the nation, the place property values exceed the ground.
In these counties, FHA debtors get to get pleasure from even increased limits as much as the so-called “ceiling.”
If these mortgage limits look acquainted, it’s as a result of they’re precisely the identical because the high-cost loans limits for conforming loans backed by Fannie Mae and Freddie Mac.
And so they’re fairly giant as you possibly can see, particularly if we’re speaking a few four-unit property.
Nonetheless, there are scores of counties all through the nation the place the FHA mortgage limits are set someplace between the ground and the ceiling.
So it’s vital to search for your county earlier than you proceed to make sure you mortgage quantity doesn’t exceed the ceiling.
For instance, in Atlanta, Georgia the ceiling for an FHA mortgage on a one-unit property is simply $718,750.
In case you had been shopping for a $900,000 residence and placing 20% down, you’d have to go along with a conforming mortgage as a substitute.
The $720,000 mortgage quantity would exceed the ceiling for Atlanta.
In Austin, Texas it’s an excellent decrease $571,550 for a one-unit property. So once more, should you wished to purchase an costly residence there, you’d have to look past the FHA for financing.
You possibly can see all of the mortgage limits which are between the ground and the ceiling right here. Or just search by county or state right here. Be sure you choose ‘CY26’ for calendar 12 months 2026.
One other instance is Phoenix, Arizona, the place the one-unit mortgage restrict is simply $557,750, barely above the ground of $541,287.
So once more, verify your space mortgage restrict earlier than you assume you’re good to go.
2026 Ceiling in Particular Designated Areas Even Increased
One-unit property: $1,873,687
Two-unit property: $2,399,050
Three-unit property: $2,899,800
4-unit property: $3,603,925
Lastly, there are even increased FHA mortgage limits in Alaska, Guam, Hawaii, and the Virgin Islands that may be adjusted as much as 150% of the brand new ceilings.
Which means practically $1.9 million for a one-unit property, due to Part 214 of the Nationwide Housing Act.
In fact, this probably received’t be a standard situation. However it’s vital to know the mortgage limits earlier than you select a mortgage sort to make sure it’s truly workable to your state of affairs.
The excellent news is your mortgage officer or mortgage dealer must be effectively versed in these new limits. And they need to be plugged into any new digital mortgage utility.
To summarize, increased mortgage limits imply extra debtors will have the ability to get authorized for FHA financing in 2026.
Earlier than creating this website, I labored as an account government for a wholesale mortgage lender in Los Angeles. My hands-on expertise within the early 2000s impressed me to start writing about mortgages 19 years in the past to assist potential (and present) residence consumers higher navigate the house mortgage course of. Observe me on X for warm takes.