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.
Latest from NAHBNow
Jun 20, 2025
The New American Home 2026: Innovation Meets ImpactThe New American Home 2026, the official show home of the 2026 NAHB International Builders’ Show® in Orlando, is already drawing industry buzz for its distinctive design and rare structural features.
Jun 19, 2025
Award-Winning Advice: Surround Yourself With Good PeopleIn the latest edition of Pro Remodeler, 2024 Remodeler of the Year Mike Pressgrove shares advice from his career.
Latest Economic News
Jun 20, 2025
Single-family Construction Loan Volume GrowsCredit conditions for builders and developers eased in the first quarter of 2025 as the level of outstanding 1-4 family residential construction loans rose for the first time in two years, according to data released by FDIC.
Jun 18, 2025
The Fed Pause ContinuesReflecting most forecasters’ expectations for the June FOMC meeting, the Federal Reserve continued its post-2024 pause for federal funds rate cuts, retaining a target rate of 4.5% to 4.25%.
Jun 18, 2025
Sharp Drop in Multifamily Production Brings Overall Housing Starts DownA sharp decline in multifamily production pushed overall housing starts down in May, while single-family output was essentially flat due to economic and tariff uncertainty along with elevated interest rates.