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The FHA sets loan lending limits for a variety of housing types. These limits are set annually and represent the maximum loan amount that the FHA will insure.

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FHA Loans Limits for 2021

FHA Loan Limits

Every year, the FHA establishes loan limits that vary based on county. According to the 2021 FHA Lending Limits, the maximum amount you can borrow for single-family homes ranges from $356,362 to $822,375. The limits may also change based on the type of property you are looking to buy. For instance, the FHA has limits for Harris County set at $356,362 for a single-family home, $456,275 for a duplex, and $551,500 for a tri-plex. It's important to know how much you'll be able to borrow before shopping for homes, so make sure to check the FHA Lending Limits for your county regularly.

Find the Maximum FHA Lending Limits in Your State


Alabama FHA Lending Limits

Includes FHA limits in Florence, Sheffield, Fort Payne, Hamilton, Jasper, Birmingham, Northport, Tuscaloosa, Selma, Montgomery, Eufaula, Monroeville, Dothan, Mobile, Daphne...

Alaska FHA Lending Limits

Includes FHA limits in Barrow, Nome, Fairbanks, Bethel, Anchorage, Homer, Seward, Kodiak, Unalaska, Juneau, Sitka, Petersburg...

Arizona FHA Lending Limits

Includes FHA limits in Bullhead Cuty, Tuba City, Flagstaff, Winslow, Prescott, Phoenix, Scottsdale, Mesa, Tempe, Florence, Casa Grande, Yuma, Flowing Wells, Tucson, Green Valley, Douglas...

Arkansas FHA Lending Limits

Includes FHA limits in Springdale, Pocohontas, Fayetteville, Van Buren, Mountain View, Fort Smith, Russellville, Searcy, Little Rock, West Helena, Hot Springs, Arkadelphia, Pine Bluff, Camden, Magnolia, El Dorado...

California FHA Lending Limits

Includes FHA limits in Arcala, Eureka, Redding, Chico North, Paradise, Ukiah, Linda, Santa rosa, Sacraento, Napa, Lodi, San Francisco, San Jose, Turlock, Los Banos, Santa Cruz, Fresno, Visalia, Porterville, Atascadero, Ridgecrest, Bakersfield, Santa Maria, Barstow, Santa Barbara, Thousand Oaks, Los Angeles, Santa Ana, Laguna Beach, San Diego, El Centro...

Colorado FHA Lending Limits

Includes FHA limits in Craig, Rangely, Fort Collins, Greeley, Sterling, Yuma, Boulder, Westminster, Denver, Castle Rock, Glenwood Springs, Black Forest, Buena Vista, Colorado Springs, Lincoln Park, Pueblo, Montrose, La Junta, Walsenburg, Monte Vista, Cortez, Durango, Alamosa, Trinidad...

Connecticut FHA Lending Limits

Includes FHA limits in Winsled, Windsor Locks, Bristol, Hartford, Danielson, Norwich, Groton, New Milford, Danbury, Starford, Norwalk, Stamford...

Delaware FHA Lending Limits

Includes FHA limits in Newark, Claymont, Brookside, Middletown, Dover, Harrington, Lewes, Seaford, Laurel...

District of Columbia FHA Lending Limits

Washington, D.C.

Florida FHA Lending Limits

Includes FHA limits in Pensacola, Fort Walton Beach, Panama City, Tallahassee, Jacksonville Beach, Lakeside, St. Augustine, Palatka, Gainesville, Ocala, Daytona Beach, Deltona, Leesburg, Orlando, Merritt Island, Cocoa Beach, Melbourne, Vero Beach, Fort Pierce, Port St. Lucie, Riviera Beach, West Palm Beach, Boca Raton, Pompano Beach, Fort Lauderdale, Miami Beach, Belle Glade, Hialeah, Miami, Cutler Ridge, Homestead, Key West, East Naples, Fort Myers, Englewood, Venice, Sarasota Springs, St. Petersburg, Largo Tampa, Clearwater, Kissimmee, New Port Richey...

Georgia FHA Lending Limits

Includes FHA limits in Dalton, Rome, Atlanta, East Point, La Grange, Columbus, Americus, Albany, Tifton, Moultrie, Valdosta, Brunswick, Hinesville, Savannah, Statesboro, Macon, Augusta, Covington, Athens, Gainesville...

Hawaii FHA Lending Limits

Includes FHA limits in Lihue, Honolulu, Kaunakakai, Wailuka, Hawi, Hilo, Captain Cook...

Idaho FHA Lending Limits

Includes FHA limits in Sandpoint, Post Falls, Osburn, Moscow, Lewiston, Grangeville, Salmon, Weisner, Boise City, Ketchum, St. Anthony, Idaho Falls, Blackfoot, Mountain Home, Soda Springs, Buhl, Twin Falls, Montpelier...

Illinois FHA Lending Limits

Includes FHA limits in Rockford, Sterling, Rock Island, Kewanee, Monmouth, Macomb, Lincoln, Springfirld, Quincy, Jacksonville, Waukegan, Oak Lawn, Joliet, Kankakee, Normal, Decatur, Charlston, Effingham, Alton, East St. Louis, Centralia, Mount Vernon, Harrisburg, Carbondale...

Indiana FHA Lending Limits

Includes FHA limits in East Chicago, Gary, Logansport, Kokomo, Crawfordsville, Indianapolis, Terre Haute, Vincennes, Evansville, New Albany, Madison, Bloomington, Shelbyville, Anderson, Muncie, Grant, Wabash, Fort Wayne, South Bend...

Iowa FHA Lending Limits

Includes FHA limits in Spencer, Sioux City, Council Bluffs, Fort Dodge, Boone, Ames, Urbandale, Des Moines, Oskaloosa, Burlington, Keokuk, Davenport, Cedar Rapids, Dubuque, Wateloo, Cedar Falls, Mason City...

Kansas FHA Lending Limits

Includes FHA limits in Norton, Colby, Garden City, Liberal, Hays, Great Bend, Hutchinson, Dodge City, Minneapolis, Salina, McPherson, Newton, El Dorado, Arkansas City, Wichita, Atchinson, Kansas City, Topeka, Ottawa, Emporia, Chanute, Pittsburg...

Kentucky FHA Lending Limits

Includes FHA limits in Fort Thomas, Erlanger, Florence, Ashland, Frankfort, Lexington, Richmond, Somerset, Middlesborough, Elizabethtown, Louisville, Owensboro, Hopkinsville, Fort Campbell North, Mayfield, Paducah, Madisonville, Henderson...

Louisiana FHA Lending Limits

Includes FHA limits in Minden, Bastrop, Monroe, Bossier city, Tallulah, Natchitoches, Alexandria, Pinieville, Fort Polk South, De Ridder, Lafayette, Abbeville, New Iperia, Morgan City, Bayou Cane, New Orleans, Baton Rouge, Bogalusa...

Maine FHA Lending Limits

Includes FHA limits in Madawaska, Fort Fairfield, Presque Isle, Houlton, East Millinocket, Dover-Foxcroft, Calais, Bangor, Bar Harbor, Waterville, Madison, Romford, Augusta, Lewiston, Auburn, Brunswick, Portland, Biddeford, Sanford, Kittery...

Maryland FHA Lending Limits

Includes FHA limits in Lexington Park, Salisbury, Cambridge, St. Charles, Annapolis, Balrimore, Townson, Bethesda, Columbia, Frederick, Hagerstown, Cumberland, Oakland...

Massachusetts FHA Lending Limits

Includes FHA limits in North Adams, Pittsfield, Springfield, Gardner, Worcester, Newburyport, Salem, Boston, Taunton, Fall River, New Bedford, Nantucket...

Michigan FHA Lending Limits

Includes FHA limits in Ontonagon, Iron Mountain, Marquette, Sault Ste. Marie, Crystal Falls, Escanaba, Menominee, Alpena, Traverse City, Cadillac, Bay City, Saginaw, Port Huron, Pontiac, Detroit, Dearborn, Adrian, Ann Arbor, Farmington Hills, Lansing, Niles, Kalamazoo, Holland, Grand Rapids, Muskegon, Big Rapids...

Minnesota FHA Lending Limits

Includes FHA limits in Hallock, Big Falls, Grand Marais, Bemidji, Hibbing, Virginia, Duluth, Moorhead, Fergus Falls, Brainerd, St. Cloud, Willmar, Minneapolis, St. Paul, Northfield, Faribault, New Ulm, Marshall, Owatonna, Rochester, Fairmont, Worthington...

Mississippi FHA Lending Limits

Includes FHA limits in Gulfport, Picayune, McComb, Brookhaven, Laurel, Hattiesburg, Vicksburg, Jackson, Canton, De Kalb, Yazoo City, Greenwood, Columbus, Grenada, Clarksdale, Tupelo, Southaven, Corinth...

Missouri FHA Lending Limits

Includes FHA limits in Maryville, Milan, Kirksville, St. Joseph, Brookfield, Hannibal, Moberly, Liberty, Kansas City, Warrensburg, Columbia, Mexico, St. Charles, St. Louis, Jefferson City, Arnold, Rolla, Perryville, Cape Girardeau, Sikeston, Poplar, Kennett, Joplin, Springfield, Carthage, Fort Leonard Wood...

Montana FHA Lending Limits

Includes FHA limits in Libby, Cut Bank, Kalispell, Poison, Missoula, Deer Lodge, Butte Silver Bow, Helena, Great Falls, Conrad, Havre, Malta, Lewistown, Roundup, Billings, Hardin, Forsyth, Jordan, Glasgow, Plentywood, Wolf Point, Glendive, Miles City...

Nebraska FHA Lending Limits

Includes FHA limits in Chadron, Scottsbluff, Kimball, Gordon, Valentine, Ainsworth, O'Neill, South Sioux City Norfolk, Mullen, Broken Bow, Columbus, Ord, Fremont, Omaha, Bellevue, Lincoln, Beatrice, Superior, Hastings, Grand Island, North Platte, Broken Bow, Kearney, Imperial, McCook...

Nevada FHA Lending Limits

Includes FHA limits in Winnemucca, Elko, Battle Mountain, Sparks, Fallon, Reno, Carson City, Gardnerville Ranchos, Hawthorne, Tonopah, Caliente, Ely, Las Vegas, Paradise, Boulder City...

New Hampshire FHA Lending Limits

Includes FHA limits in Berlin, Lancaster, Littleton, North Conway, Plymouth, Levanon, Claremont, Concord, Manchester, Derry, Nashua, Keene...

New Jersey FHA Lending Limits

Includes FHA limits in Newton, Paterson, Newark, Edison, Stanton, Trenton, Camden, Cherry Hill, Salem, Vineland...

New Mexico FHA Lending Limits

Includes FHA limits in Shiprek, Farmington, Taos, Raton, Clayton, Los Alamos, Santa Fe, Las Vegas, Tucumcare, Santa Rosa, Clovis, Roswell, Artesia, Carlsbad, Las Cruces, Deming, Lordsburg, Alamogordo, Truth Or Consequences, Socorro, South Valley, North Valley Gallup, Albuquerque...

New York FHA Lending Limits

Includes FHA limits in Massena, Potsdam, Plattsburgh, Ogdensburg, North Ebs, Watertown, Fulton, Syracuse, Cortland, Binghamton, Monticello, Newburgh, New City, Yonkers, New York City, Peekskill, White Plains, Hampton Bays, Elmira, Ithaca, Corning, Rochester, Lockport, Niagara Falos, Buffalo, Jamestown, Thurman, Glens Falls, Saratoga Springs, Albany, Chatham, Catskill, Kingston, Poughkeepsie, Oneonta, Schenectady, Utica, Rome...

North Carolina FHA Lending Limits

Includes FHA limits in Murphy, Asheville, Morganton, Boone, Lenoir, Salisbury, Charlotte, Monroe, Albemarie, High Point, Greensboro, Eden, Henderson, Durham, Raleigh, Cary, Fayetteville, Lumberton, Wilmington, Camp Lejeune, Havelock, Kinston, Greenville, Elizabeth City...

North Dakota FHA Lending Limits

Includes FHA limits in Crosby, Williston, Watford City, Hazen, Beach, Dickenson, Bowman, Mandan, Bismarck, Ashley, Oakes, Lisbon, Fargo, Jamestown, Carrington, Mayville, Grand Forks, Harvey, Devils Lake, Grafton, Langdon, Bottineau, Rugby, Minot...

Ohio FHA Lending Limits

Includes Basic Allowance for Housing rates in Toledo, Bryabn, Defiance, Findlay, Lima, Sidney, Springfield, Dayton, Wilmingron, Cincinnati, Portsmouth, Ironton, Athens, Marietta, Lancaster, Columbus, Newark, Delaware, Mansfield, Tiffin, Elyria, Cleveland, Parma, Warren, Akron, Canton, Dover, Cambridge...

Oklahoma FHA Lending Limits

Includes FHA limits in Boise City, Guyman, Woodward, Ponca City, Enid Stillwater, Elk City, Olkahoma City, Edmond, Norman, Chickasha, Ada, Altus, Lawton, Ardmore, Durant, McAlester, Okmulgee, Broken Arrow, Tulsa, Claremore, Bartlesville...

Oregon FHA Lending Limits

Includes FHA limits in Astoria, Portland, Oregon City, woodburn, Salem, Albany, Lebanon, Springfield, Eugene, Coos Bay, Roseburg, Grants Pass, Medford, Ashland, Klamath Falls, Altamont, Bend, City Of The Dalles, Pendleton, Enterprise, La Grande, John Day, Ontario, Burns, Hines...

Pennsylvania FHA Lending Limits

Includes FHA limits in Erie, Meadville, Oil City, New Castle, Butler, Penn Hills, Pitsburgh, Uniontown, Bradford, Williamsport, Sunbury, Towanda, Altoona, Harrisvurg, Bedford, Chambersburg, Montrose, Scranton, Willkes-Barre, Easton, Bethlemem, Allentown, Levitown, Philadelphia...

Rhode Island FHA Lending Limits

Includes FHA limits in Woonsocket, Glocester, Providence, Coventry, Newport, Westerly...

South Carolina FHA Lending Limits

Includes FHA limits in Easley, Greenville, Laurens, Greenwood, Columbia, Cayce, Aiken, Barnwell, Rock Hill, Bennettsville, Florence, Conway, Myrtle Beach, Georgetown, Goose Creek, Charleston, Hilton Head Island...

South Dakota FHA Lending Limits

Includes FHA limits in Buffalo, Bison, Belle Fourche, Sturgis, Lead, Rapid City, Hot Springs, Pine Ridge, Winner, Chamberlain, Pierre, Cherry Creek, Mobridge, Yankton, Canton, Sioux Falls, Mitchell, Madison, Brookngs, Huron, Redfield, Watertown, Milbank, Aberdeen, Sisseton...

Tennessee FHA Lending Limits

Includes FHA limits in Memphis, Bolivar, Jackson, Hujboldt, Union City, Paris, Clarksville, Nashville, Franklin, Columbia, Shelvybille, Chattanooga, Athens, Maryville, Knoxville, Oneida, Greeneville, Elizabethton...

Texas FHA Lending Limits

Includes FHA limits in Dalhart, Amarillo, Canyon, Wichita Falls, Lubbock, Denton, Arlington, Dallas, Fort Worth, Abilene, Snyder, Texarkana, El Paso, Pecos, Van Horn, Fort Stockton, Ozona, San Angelo, Odessa, Mdland, Del Rio, Eagle Pass, Carrizo Springs, Laredo, Rio Grande City, Brownsville, Corpus Christi, Portland, Port Lavaca, San Antonio, Galvestion, Houston, Beaumont, Austin, College Station, Lufkin, Nacogdoches, Waco...

Utah FHA Lending Limits

Includes FHA limits in Logan, Brigham City, Ogden, Salt Lake City, Megna, Murray, Sandy, Orem Provo, Maeser, Roosevelt, Helper, Nephi, Mount Pleasant, Fillmore, Richfield, Moab, Loa, Milford, Panguitch, Monticello, Hurricane, Kanab, Mexican Hat...

Vermont FHA Lending Limits

Includes FHA limits in Newport, Swanton, Island Pond, Burlington, Montpelier, Middlebury, Rutland, Woodstock, Springfield, Arlington, Brattleboro...

Virginia FHA Lending Limits

Includes FHA limits in Briston, Marion, Blacksburg, Martinsville, Danville, Roakoak, Lynchburg, Richmond, Newport News, Chesapeake, Virginia Beach, Exmore, Onancock, Charlottesville, Fredericksburg, Staunton, Harrisburg, Front Royal Winchester, Arlington, Alexandria, Manassas...

Washington FHA Lending Limits

Includes FHA limits in Bellingham, Mount Vernon, Oak Harvor, Port Angeles, North Marysville, Everett, Bremerton, Seattle, Tacoma, Olympia, Aberdeen, Centralia, Longview, Vancouver, Goldendale, Yakima, Ellensburg, Richland, Kennewick, Walla Walla, Pullman, Moses Lake, East Wenatchee Bench, Spokane, Newport, Omak, Kettle Falls...

West Virginia FHA Lending Limits

Includes FHA limits in Weirton, Wheeling, Moundsville, Fairmont, Parkersburt, Clarksburg, Martinsburg, Charles Town, Moorefield, Elkins, Glenville, Poin Pleasant, Huntington, Charleston, South Charleston, Madison, Beckley, Lewisburg, Marlinton, Beckley, Welch, Bluefield...

Wisconsin FHA Lending Limits

Includes FHA limits in Superior, Ashland, Mercer, Shell Lake, Rhinelander, Crandon, Marinette, Wausau, Menomonie, Eau Claire, Marshfield, Green Bay, Wisconsin Rapids, Appleton, Menasha, Oshkosh, Two Rivers, Fond Du Lac, La Crosse, Beaver Dam, Sheboygan, Menoonee Falls, Madison, Richland Center, Madison, Milwaukee, Lancaster, Racine, Kenosha, Monroe...

Wyoming FHA Lending Limits

Includes FHA limits in Evanston, Kemmerer, Green River, Rock Springs, Rawins, Saratoga, Cheyenne, Torrington, Douglas, Paradise Valley, Casper, Lender, Riverton, Jackson, Thermopolis, Worland, Powell, Cody, Lovell, Sheridan, Greybull, Buffalo, Gullette, Newcastle...

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