FHA Increases Loan Limits for 2025
The Federal Housing Administration (FHA) has announced its loan limits for 2025. The nationwide rise in median home prices indicates most buyers across the country will see increases.
The FHA floor will increase from $498,257 to $524,225 for single-family home loans. The floor amount is the lowest the FHA loan limit can be for any area of the country. FHA’s ceiling loan limits, the maximum loan amount the agency will insure, will increase from $1,149,825 to $1,209,750 for a single-family property. The ceiling rises even higher to $1,814,625 in Alaska, Hawaii, Guam and the U.S. Virgin Islands.
The following table lists the 2024 FHA loan limits for low- and high-cost areas:
| Property Size | Low-Cost Area “Floor” | High-Cost Area “Ceiling” | Alaska, Hawaii, Guam, and U.S. Virgin Islands “Ceiling”1 |
| One Unit | $524,225 | $1,209,750 | $1,814,625 |
| Two Units | $671,200 | $1,548,975 | $2,323,450 |
| Three Units | $811,275 | $1,872,225 | $2,808,325 |
| Four Units | $1,008,300 | $2,326,875 | $3,490,300 |
The new loan limits will apply to all loans assigned FHA case numbers on or after Jan. 1, 2025. The 2025 FHA loan limits by Metropolitan Statistical Area (MSA) or county can be reviewed on FHA’s loan limits page.
FHA also increased the loan limits for its Home Equity Conversion Mortgage (HECM), or reverse mortgage program, to $1,209,750 effective Jan. 1, 2025. The HECM program regulations do not allow loan limits to vary by MSA or county, so this limit applies to all mortgages regardless of location.
View the HUD press release for more details.
1Mortgage limits for the special exception areas of Alaska, Hawaii, Guam, and the U.S. Virgin Islands are adjusted by FHA to account for higher costs of construction.
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