FHA Increases Loan Limits for 2025

Housing Finance
Published
Contact: Curtis Milton
[email protected]
Director, Single Family Finance
(202) 266-8597

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.

Subscribe to NAHBNow

Log in or create account to subscribe to notifications of new posts.

Log in to subscribe

Latest from NAHBNow

Advocacy

Aug 01, 2025

Meet at Home with Your Members of Congress

NAHB members across the nation can build on the success of the June Legislative Conference by meeting with their lawmakers in their home districts in August to discuss key issues that affect the home building industry.

Sponsored Content

Jul 31, 2025

How Home Builders Beat the Labor Crunch with This Fast Financing Plan

Struggling to secure labor can force builders to make tough decisions: Do you delay a project? Sacrifice profits? Or turn down new opportunities? But smart builders don’t just react — they adapt their financing strategy to meet labor challenges head-on.

View all

Latest Economic News

Economics

Jul 31, 2025

Personal Income Rises 0.3% in June

Personal income increased by 0.3% in June, following a 0.4% dip in May, according to the latest data from the Bureau of Economic Analysis. The gains in personal income were largely driven by higher wages and social benefits.

Economics

Jul 31, 2025

Housing Share of GDP: Second Quarter 2025

Housing’s share of the economy registered 16.3% in the second quarter of 2025, according to the advance estimate of GDP produced by the Bureau of Economic Analysis. This reading is unchanged from a revised level of 16.3% in the first quarter and is the same as the share one year ago.

Economics

Jul 30, 2025

Fed Remains on Pause Again

At the conclusion of its July meeting, the Federal Reserve’s monetary policy committee once again held the federal funds rate constant at a top rate of 4.5%. However, two members of the committee dissented from the decision (Fed Board Governors Waller and Bowman), the largest number of dissenting votes since 1993.