2026 FHA Loan Limits
FHA has updated the 2026 Nationwide FHA Mortgage Loan Limits.
| 2026 FHA Mortgage Loan Limits for Low & High-Cost Areas and Exceptions | |||
| Property Size | Low Cost Area | High Cost Area | Alaska, Guam, Hawaii, and the Virgin Islands |
| One-Unit | $541,287 | $1,249,125 | $1,873,687.00 |
| Two-Units | $693,050 | $1,599,375 | $2,399,050.00 |
| Three-Units | $837,700 | $1,933,200 | $2,899,800.00 |
| Four-Units | $1,041,125 | $2,402,625 | $3,603,925.00 |
In 2026, nearly all U.S. counties will have an increase in FHA loan limits; however, due to changes made to the makeup of certain Metropolitan Statistical Areas (MSAs) by the Office of Management and Budget, 10 counties will see a loan limit decrease from the 2025 levels. To more easily identify areas with loan limit decreases, FHA has published a separate list of these jurisdictions which are available on the Maximum Mortgage Limits web page.
These new FHA loan limits are effective for case numbers assigned on or after January 1, 2026, through December 31, 2026; however, updates to the process to request local increases are effective immediately.
These are the same maximum loan limits for the FHA 203k. While these are modest, every increase helps with the affordability challenges in certain areas.
As with all FHA 203k Loans, select your Certified 203k Contractor® and an experienced FHA 203k Lender. For assistance or questions, use the contact form below.