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Maximum FHA Loan Amount

What is the Maximum FHA Loan Amount Limit for my area?

The Maximum FHA Loan Amount Limits under today's FHA Loan Requirements are determined by:

Maximum FHA loan amount: By law, FHA Lenders cannot insure loans that exceed certain amounts based on the metropolitan area or county in which you live. The highest maximum FHA mortgage right now is $729,750. The lowest FHA lender maximum amount available in any county is $271,050. To see what the limit is in the county in which you're interested, visit the following site https://entp.hud.gov/idapp/html/hicostlook.cfm. This site lists U.S. territories as well as states.

Maximum FHA Financing: Depending on the state where the property is located, FHA Loan Requirements state that the maximum financing will be 96.5% of the lower of the purchase price, the appraised value of the home or the amount you are refinancing plus closing costs. If you are refinancing and taking cash out, the FHA Loan amount will be limited to 85% of the appraised value.

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Maximum FHA Loan Amount Limit By State

Alabama FHA Loan
Alaska FHA Loan
Arizona FHA Loan
Arkansas FHA Loan
California FHA Loan
Colorado FHA Loan
Connecticut FHA Loan
Delaware FHA Loan
DC FHA Loan
Florida FHA Loan
Georgia FHA Loan
Hawaii FHA Loan
Idaho FHA Loan
Illinois FHA Loan
Indiana FHA Loan
Iowa FHA Loan
Kansas FHA Loan
Kentucky FHA Loan
Louisiana FHA Loan
Maine FHA Loan
Maryland FHA Loan
Massachusetts FHA Loan
Michigan FHA Loan
Minnesota FHA Loan
Mississippi FHA Loan
Missouri FHA Loan
Montana FHA Loan
Nebraska FHA Loan
Nevada FHA Loan
New Hampshire FHA Loan
New Jersey FHA Loan
New Mexico FHA Loan
New York FHA Loan
North Carolina FHA Loan
North Dakota FHA Loan
Ohio FHA Loan
Oklahoma FHA Loan
Oregon FHA Loan
Pennsylvania FHA Loan
Rhode Island FHA Loan
South Carolina FHA Loan
South Dakota FHA Loan
Tennessee FHA Loan
Texas FHA Loan
Utah FHA Loan
Vermont FHA Loan
Virginia FHA Loan
Washington FHA Loan
West Virginia FHA Loan
Wisconsin FHA Loan
Wyoming FHA Loan


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 FHA Refinance Loan Programs

Rate/Term Refinance (No Cash Out)
The FHA Rate/Term Refinance is for borrowers who currently have a conventional fixed rate or ARM mortgage and wish to refinance into an FHA Mortgage. This program helps borrowers who wish to have a stable, FHA insured fixed rate mortgage.

FHA Cash-Out Refinance

A FHA Cash Out Refinance Loan is perfect for the homeowner who wants to access the equity that they have built up in their home. This program is beneficial to homeowners whose property has increased in value since it was purchased.

FHA Streamline Refinance
The FHA Streamline Refinance is designed to lower the interest rate on a current FHA mortgage or convert a current FHA adjustable rate mortgage into a fixed rate. An Streamline FHA Refinance Loan can be performed quickly and easily. It requires much less hassle and paperwork than a normal refinance including no credit check, no appraisal, no qualifying debt ratios and no income verification.


 FHA Refinance Loan FAQ's

Are there any out of pocket expenses for an FHA Refinance Loan?
Generally, there are no out-of-pocket expenses incurred with an FHA Home Refinance, other than the appraisal fee. FHA Refinance Guidelines allow all other closing costs, including lender fees, to be included in the new loan amount, provided that the home will appraise for that amount.

Can I take cash out of my home with an FHA Refinance?
Yes, with an FHA Cash Out Refinance, the home owner obtains a new FHA Mortgage Refinance for more than the amount owed on their current mortgage; meaning the homeowner pays off the current mortgage and then has additional cash to use however they want. They maximum loan amount for an FHA Cash Out Refinance is 85% of the homes current appraised value.

What are the guidelines for an FHA Refinance Loan?
If the borrower wishes to take cash out of the property, then the maximum FHA Home Loan Refinance amount is 85% of the current appraised value. If the borrower does not take cash out then the maximum financing will be 97.75% of the appraised value of the home or the amount you are refinancing plus closing costs, whichever is lower.

Why should I consider refinancing into a FHA-insured mortgage?
FHA Refinance Loans do not come with prepayment penalties, have no teaser rates nor balloon payments. They are offered at market rate with terms up to 30 years and are fully amortized, meaning that you pay towards principal and interest every month.

What if I have a prepayment penalty and other refinancing costs and there isn’t enough equity in my home to refinance?
If you do not have sufficient equity in your home to add your prepayment penalty and/or other refinancing costs into your new FHA Mortgage Loan Refinance, then you should ask your lender to consider a second mortgage to pay the difference or a short payoff on your existing loan. Offering either of these options is at the discretion of the lender.

Does it matter that the value of my home is now less than what I still owe?
The mortgage lender considering the refinance will have to be willing to accept a short payoff on the existing loan OR to hold a second mortgage to make up the difference needed to pay off the existing mortgage and the home’s value.


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