FHA Announces Forward Mortgage Loan Limits for 2026
The Federal Housing Administration (FHA) today announced its , which provides the maximum mortgage loan limits for single-family homes that are insured by the FHA.
The FHA national mortgage limits by the number of units for low- and high-cost areas are as follows:
| Property Size | Low-Cost Area “Floor” | High-Cost Area “Ceiling” |
| One-Unit | $541,287 | $1,249,125 |
| Two-Units | $693,050 | $1,599,375 |
| Three-Units | $837,700 | $1,933,200 |
| Four-Units | $1,041,125 | $2,402,625 |
Nearly all U.S. counties will have an increase in forward loan limits, with just 10 jurisdictions seeing a loan limit decrease from the 2025 levels.
FHA forward mortgage limits for individual Metropolitan Statistical Areas (MSAs) and counties are available on the .
Downloadable text files with complete listings of all county loan limits are available on the .
FHA’s list of areas at the “ceiling” and areas with limits between the “floor” and “ceiling” — along with lists that can be sorted by state, county, MSA or by calendar year — is available on the .