FHA Loan Limits 2026 by County

FHA loan limits are derived from the FHFA conforming loan limit. HUD sets the FHA floor at 65% of the one-unit conforming limit and the ceiling at 150% of the one-unit conforming limit. For 2026:

• Floor: $806,500 (conforming) x 65% = $524,225
• Ceiling: $806,500 (conforming) x 150% = $1,209,750

Individual county limits are set at 115% of the county's median home price, constrained within the floor and ceiling. This means most counties in mid-priced housing markets land at the floor ($524,225), while counties in the most expensive metros cap at the ceiling ($1,209,750). Counties in between vary based on their local median price.

Multi-Unit Property Limits (2026)

If the home price exceeds your county's FHA limit, you have several options. You can make a larger down payment so your loan amount falls within the FHA limit (for example, a $550,000 home in a floor county would need $25,775 down to bring the loan to $524,225). You can use a conventional conforming loan if the purchase price is at or below $806,500 (baseline 2026 conforming limit). You can use a jumbo conventional loan for amounts above conforming limits, which typically requires 10-20% down and 700+ FICO. You can also use a combination of an FHA first mortgage at the limit and a second lien (piggyback) for the gap, though this is less common and more complex to execute.

For borrowers in the 620-679 FICO range purchasing at or below the FHA limit, FHA is usually the better path. See our conventional conforming limits page for the full 2026 conventional grid.