December 23, 2025
Announcement - FHA Loan Limits
Effective for FHA Case numbers assigned on or after January 1, 2026: PHH will begin accepting new locks for both Mandatory and Best Efforts channels that meet the Federal Housing Finance Agency (FHFA) and Housing and Urban Development (HUD) 2026 loan limits.
| FHA Forward Maximum Loan Amounts (Net of any financed MIP) | |||||
|---|---|---|---|---|---|
| FHA | |||||
| Contiguous States, District of Columbia, and Puerto Rico |
Alaska, Hawaii, Guam, USVI | ||||
| Low Cost | |||||
| Units | 2026 | 2025 | 2026 | 2025 | |
| 1 | $541,287 | $524,225 | $1,873,625 | $1,814,625 | |
| 2 | $693,050 | $671,200 | $2,399,050 | $2,323,450 | |
| 3 | $837,700 | $811,275 | $2,899,800 | $2,808,325 | |
| 4 | $1,041,125 | $1,041,125 | $3,603,925 | $3,490,300 | |
| High Cost | |||||
| Units | 2026 | 2025 | 2026 | 2025 | |
| 1 | $1,249,125 | $1,209,750 | Same as Low Cost | Same as Low Cost | |
| 2 | $1,599,375 | $1,548,975 | |||
| 3 | $1,933,200 | $1,872,225 | |||
| 4 | $2,402,625 | $2,326,875 | |||
Low-Cost Area
The FHA national low-cost area mortgage limits, which are set at 65 percent of the national
conforming limit of $832,750 for a one-unit Property are reflected by property unit number
above.
High-Cost Area
The FHA national high-cost area mortgage limits, which are set at 150 percent of the national
conforming limit of $832,750 for a one-unit Property are reflected by property unit number
above.
Special Exceptions
Mortgage limits for the special exception areas of Alaska (AK), Hawaii (HI), Guam (GU) and the
Virgin Islands (VI) are adjusted by FHA to account for higher costs of construction.
If you have any questions, please contact your Correspondent Specialist, Sales Executive or contact us via the support line at 1-800-929-4744.
Thank you for your continued business!