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FHA Loan money

FHA Loan Limits: How Much Can You Borrow?


[Updated: Apr 15, 2021 ] Mar 09, 2020 by Aly J. Yale

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Number of Units Market Limit
1 $356,362 $822,375
2 $456,275 $1,053,000
3 $551,500 $1,272,750
4 $685,400 $1,581,750

Data source: HUD.

Down payment 3.5% to 10%, depending on credit score
Credit score 500-plus, depending on down payment
Residency Citizens, lawful residents 
Occupancy Borrower must occupy the property as their primary residence for the majority of the calendar year
Property Must be one to four unitsMust meet HUD's minimum property standardsMust undergo an FHA appraisal

Data source: HUD.

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