The FHA Max Loan Limits

The maximum about of money you can borrow with an FHA lender is determined by the lending limits for properties set forth by the Federal Housing Administration (the Government agency that insures FHA lenders.)

FHA loan limits are primarily based on the following

• The location of the property being mortgaged (usually by county)
• The type of property being mortgaged (number of units)
• If the property resides in a "High Cost" area

The overall amount of money you can borrow with an FHA loan is based on the FHA loan limits but will also be determined by your actual ability to qualify for an FHA loan as an applicant. You can read more about qualifying for an FHA loan here or just click here to have a mortgage specialist determine how much you qualify for.

You can use HUD's FHA loan limit lookup engine to search for the maximum FHA loan limits in your area. Click here to use HUD's official Loan Limit Search Tool.