FHA Loan Limits by State 2026
Standard limit: $498,257 · High-cost areas up to $1,149,825 · All 50 states covered
2026 FHA Loan Limits at a Glance
FHA loan limits are set by HUD annually and vary by county. The standard (floor) limit for 2026 is $498,257 for a single-family home — this applies to most U.S. counties. The high-cost (ceiling) limit is $1,149,825, applying to expensive metros like San Francisco, New York, and Honolulu. Select your state below to see county-level limits and current FHA rates.
2026 FHA Loan Limits by Property Type
FHA loans cover 1-4 unit properties. You must occupy one unit as your primary residence.
| Property Type | Standard Limit | High-Cost Limit | 3.5% Down Payment |
|---|---|---|---|
| 1-unit | $498,257 | $1,149,825 | $17,439 |
| 2-unit | $637,950 | $1,472,250 | $22,328 |
| 3-unit | $771,125 | $1,779,525 | $26,989 |
| 4-unit | $958,350 | $2,211,600 | $33,542 |
FHA Loan Limits by State — All 50 States
Click any state for county-level limits, current FHA rates, and payment estimates.
FHA Loan Requirements 2026
Borrower Requirements
FHA MIP (Mortgage Insurance)
FHA vs. Conventional: Which Is Better in 2026?
| Feature | FHA Loan | Conventional Loan |
|---|---|---|
| Min down payment | 3.5% | 3% |
| Min credit score | 500 (580 for 3.5%) | 620 |
| Upfront fee | 1.75% UFMIP | None |
| Mortgage insurance | MIP (life of loan if <10% down) | PMI (cancellable at 20%) |
| Loan limit (2026) | $498,257 standard | $806,500 conforming |
| DTI flexibility | Up to 57% (with compensating factors) | Up to 50% |
| Best for | 580-619 credit, high DTI, limited savings | 620+ credit, 20% down or PMI removal goal |
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Frequently Asked Questions
What is the FHA loan limit for 2026?
The standard FHA loan limit for 2026 is $498,257 for a single-family home in most U.S. counties. High-cost areas can qualify for limits up to $1,149,825. Alaska, Hawaii, Guam, and the U.S. Virgin Islands have a special ceiling of $1,724,725.
How are FHA loan limits determined?
FHA loan limits are set annually by HUD based on the conforming loan limits established by the FHFA. The standard limit is 65% of the conforming loan limit ($806,500 in 2026). High-cost area limits are 150% of the conforming limit.
What is the minimum down payment for an FHA loan in 2026?
The minimum down payment is 3.5% with a credit score of 580 or higher. Borrowers with scores between 500-579 must put down 10%. On a $300,000 home, 3.5% down is $10,500.
Can FHA loan limits vary by county?
Yes. FHA loan limits are set at the county level. Within a state, high-cost counties (like San Francisco, CA or Manhattan, NY) can have limits up to $1,149,825, while lower-cost counties use the standard $498,257 limit. Always check your specific county limit at HUD's website.
What is the FHA loan limit for a 2-unit property in 2026?
For 2026, the FHA loan limit for a 2-unit property is $637,950 in standard areas (up to $1,472,250 in high-cost areas). 3-unit: $771,125 standard. 4-unit: $958,350 standard.
Did FHA loan limits increase in 2026?
Yes. FHA loan limits increased in 2026 following the FHFA's increase to the conforming loan limit. The standard limit rose reflecting rising home prices nationwide.