FHA Loan Limits Calculator 2026

Find the 2026 FHA loan limit for your county and state. See if your loan amount qualifies for FHA financing — or discover what options you have if you are over the limit.

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2026 FHA Loan Limit for Your Area
$524,225
Floor limit — low-cost area (65% of conforming limit)
FHA Eligible?
YES
Your Loan Amount
$430,000
National Floor (2026)
$524,225
National Ceiling (2026)
$1,209,750
Your loan qualifies for FHA financing. You are $94,225 under the 2026 limit for this area.

FHA loan limits are set at 65% (floor) to 150% (ceiling) of the conforming loan limit ($806,500 in 2026). HUD assigns each county an area type based on local home prices.

Low-Cost Areas (Floor)
$524,225
65% of conforming limit
Most rural counties and mid-sized cities
Examples: Most of TX, OH, MI, GA
Standard Areas
$866,988
Between floor and ceiling
Mid-cost suburban counties
Examples: Parts of FL, CO, WA, OR
High-Cost Areas (Ceiling)
$1,209,750
150% of conforming limit
Major metro counties with high home values
Examples: SF Bay Area, NYC, Boston
Special Exception (AK/HI/Guam/USVI)
$1,814,625
150% of national ceiling
Statutory exception for high-cost territories
Alaska, Hawaii, Guam, US Virgin Islands
To find your exact county limit: Visit the HUD FHA Mortgage Limits lookup tool at hud.gov/program_offices/housing/sfh/lender/origination/mortgage_limits and enter your county. Limits vary widely even within the same state.
Typical Texas range: $524,225 (low-cost counties) to $571,550 (high-cost counties).

If your loan amount exceeds the FHA limit for your county, you have several alternatives. Note: Jumbo FHA loans do not exist — FHA cannot insure loans above the county limit.

Conventional Loan
Conforming limit up to $806,500. Requires stronger credit (typically 620+). PMI if under 20% down, but PMI is cancelable unlike FHA MIP on most loans.
Best if: Good credit, 5-20% down
Conventional Jumbo Loan
For loans above $806,500. Typically requires 10-20% down, 700+ credit score, and cash reserves. No government backing — lender sets its own standards.
Best if: Strong finances, high-price market
Piggyback Strategy
Use an FHA loan up to the limit + a second mortgage (HELOC or second lien) for the remainder. Keeps your primary loan FHA-eligible while covering the gap.
Best if: Just slightly over the FHA limit
Increase Down Payment
Bring more cash to closing to reduce your loan amount below the FHA limit. On a $450,000 home, you need $0 additional down payment to reach the limit.
Best if: Have savings to bridge the gap
Common misconception: There is no "jumbo FHA" loan program. FHA insurance cannot be applied to loans above the county limit under any circumstances. Lenders that advertise "jumbo FHA" are misleading borrowers.

How to Use This FHA Loan Limits Calculator

This calculator helps you instantly find the 2026 FHA loan limit for your area and determine whether your planned loan amount qualifies for FHA financing.

Quick Calculator

Select your State and Area Type (low-cost, standard, high-cost, or special exception). Enter your Loan Amount — which is your home price minus your down payment. The calculator instantly shows your area's 2026 FHA limit and whether your loan qualifies. If you are over the limit, the gap is displayed so you know exactly how much to adjust.

Advanced: Limits by Area Type

The Advanced tab shows the national floor ($524,225), ceiling ($1,209,750), and special exception limit ($1,814,625 for AK/HI/Guam/USVI). Switch to the Multi-Unit Limits tab to see how limits scale for 2-, 3-, and 4-unit properties. The Limit History tab shows how FHA limits have grown from 2020 to 2026.

Pro: Above-Limit Options

The Pro tab explains your options when your loan exceeds the FHA limit — including conventional conforming loans, jumbo loans, and the piggyback strategy. The State Ranges tab shows typical county limit ranges for 20 major states.

How FHA Loan Limits Are Calculated

Floor Limit = Conforming Loan Limit x 65%
Ceiling Limit = Conforming Loan Limit x 150%
Special Exception = Ceiling Limit x 150%

2026 Conforming Loan Limit = $806,500
2026 FHA Floor = $806,500 x 65% = $524,225
2026 FHA Ceiling = $806,500 x 150% = $1,209,750
2026 Special Exception (AK/HI/Guam/USVI) = $1,814,625

FHA loan limits are adjusted annually by the Department of Housing and Urban Development (HUD) based on the Federal Housing Finance Agency (FHFA) conforming loan limit. HUD assigns each county one of three tiers — floor, ceiling, or a limit in between — based on local median home prices relative to the national conforming limit.

When home prices rise significantly (as they did from 2020 to 2023), FHA limits follow, expanding access to FHA financing in markets that previously exceeded the ceiling. The floor has increased by over 58% since 2020, from $331,760 to $524,225 in 2026.

Example: FHA Loan Limit Check in Three Markets

Scenario: $550,000 Home, $27,500 Down (5%), $522,500 Loan Amount

Dallas, TX (Low-Cost)2026 FHA Limit: $524,225 — QUALIFIES (loan under limit by $1,725)
Denver, CO (Mid-Cost)2026 FHA Limit: ~$856,750 — QUALIFIES (well under limit)
San Francisco, CA (High-Cost)2026 FHA Limit: $1,209,750 — QUALIFIES (well under ceiling)

Scenario: $700,000 Home, $35,000 Down (5%), $665,000 Loan Amount

Dallas, TXFHA Limit $524,225 — OVER by $140,775 — need conventional loan
Denver, COFHA Limit ~$856,750 — QUALIFIES
Honolulu, HIFHA Limit $1,814,625 (special exception) — QUALIFIES

The county where you buy matters enormously. Two homes at the same price can have completely different FHA eligibility depending on location.

Frequently Asked Questions

The 2026 FHA loan limit is $524,225 in low-cost areas (the national floor) and $1,209,750 in high-cost areas like San Francisco and New York City (the national ceiling). Alaska, Hawaii, Guam, and the US Virgin Islands have a special exception limit of $1,814,625. Limits are set by county, so the exact limit depends on where you are buying.
No. Jumbo FHA loans do not exist. FHA cannot insure loan amounts above the county limit under any circumstances. Lenders that advertise "jumbo FHA" loans are misinformed or misleading. If your loan exceeds the FHA county limit, you must use a conventional conforming loan, a conventional jumbo loan, or reduce your loan amount by increasing your down payment.
FHA loan limits are reviewed annually and typically adjusted in November or December to take effect for the following year. Limits almost never decrease — they only stay flat or increase. Since 2020, limits have risen every year, with the floor increasing by over 58% from $331,760 to $524,225 in 2026. If you are near the limit threshold, applying early in the year before limits are updated is often advantageous.
Yes. FHA loans can be used for 1- to 4-unit properties. You must occupy one unit as your primary residence. The FHA loan limits are higher for multi-unit properties — a 4-unit property in a high-cost area can have an FHA limit of approximately $2.3 million. This makes FHA multi-unit loans a popular strategy for house hacking, where rental income from other units helps cover your mortgage payment.
The exact FHA loan limit varies by county. To find the precise limit for your county, visit the HUD FHA Mortgage Limits search tool at hud.gov/program_offices/housing/sfh/lender/origination/mortgage_limits. Enter your state and county to see the exact 2026 limit for each unit type (1-4 units). Limits can vary dramatically between neighboring counties, so always verify your specific county rather than relying on state averages.

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