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FHA Loan Amount Limits

What is the FHA Loan Amount Limit for my area?

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

Maximum FHA Loan Amount Limit: 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 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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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
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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 Why choose an FHA Loan?


What is an FHA Loan?
An FHA loan provides low-cost insured home mortgage loans that suit a variety of purchasing and refinancing options.

What are FHA Loan Limits?
Today's maximum FHA Loan Limits are determined by the area where the subject property is located.

How can I qualify for an FHA Loan?
You must obtain correct FHA Loans Information to determine if you could qualify for today's FHA Loan Insurance guidelines. Certain FHA Loan Credit Score and FHA Loan Income guidelines must be met.

What are current FHA Loan Fees?
The FHA has a list of allowed fees that can be charged to the borrower on FHA Loans. These fees are referred to as allowable closing costs, and can vary from lender to lender. The FHA Loan MIP (Mortgage Insurance Premium) amounts to 1.75% of the loan amount and in usually financed in the mortgage.

Do FHA Loans have Mortgage Insurance?
FHA Loans have Monthly Mortgage Insurance on loans with a term of greater than 15 years and a loan-to-value ratio of 90% or greater (meaning you are borrowing more than 90% of the value of the home). FHA Mortgage Insurance (MI) is not considered FHA Loan PMI, because it is not provided by a private mortgage insurance company like on Conventional Loans. When comparing the monthly mortgage insurance rates on FHA Loans vs Conventional Loans PMI, the FHA MI Rates are usually better.


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