Learn how much you can borrow with an FHA loan based on updated 2025 guidelines. Affordable home financing starts here.
Verify Your FHA Loan Eligibility
Thinking about buying a home with an FHA loan? One of the first things to understand is how much you can borrow.
FHA loans come with set limits, which vary depending on the type of home you want to buy and the area you’re purchasing in.
These limits are reviewed and updated every year to reflect changes in the housing market. The FHA has a maximum loan amount that it will insure, which is known as the FHA lending limit.
These loan limits are calculated and updated annually and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. The type of home, such as single-family or duplex, can also affect these numbers.
For 2025, the FHA floor was set at $524,225 for single-family home loans. This minimum lending amount covers most U.S. counties. The FHA ceiling represents the maximum loan amount and is illustrated in the table below.
| Property Type | Loan Limit |
|---|---|
| Single-Family | $524,225 |
| Duplex | $671,200 |
| Tri-plex | $811,275 |
| Four-plex | $1,008,300 |
Also, for 2025, the FHA ceiling was set at $1,209,750 for single-family home loans. This represents the highest amount that a borrower can get through the FHA loan program. It applies to high-cost areas in the United States and is illustrated in the table below.
| Property Type | Loan Limit |
|---|---|
| Single-Family | $1,209,750 |
| Duplex | $1,548,975 |
| Tri-plex | $1,872,225 |
| Four-plex | $2,326,875 |
FHA loans are mortgages insured by the Federal Housing Administration. They’re designed to make homeownership more accessible, especially for first-time buyers and those with moderate incomes.
Thanks to flexible credit guidelines and low down payment options, FHA loans remain one of the most popular mortgage choices in the U.S.
FHA loan limits determine the maximum amount you can borrow using this program.
If your desired loan amount exceeds the FHA limit in your area, you may need to explore other financing options or make a larger down payment.
Key factors that affect your limit include:
Where you're buying (standard vs. high-cost area).
Type of home (1–4 units).
Whether you’re using the loan for a primary residence.
Low down payment: As little as 3.5% down with qualifying credit.
Lenient credit standards: You may qualify with a credit score as low as 580.
Assumable loan: FHA loans can be transferred to a new buyer.
Fixed and adjustable rates available.
Backed by the federal government for added security.
FHA loans are a great fit for:
First-time homebuyers.
Buyers with limited credit history.
Those recovering from past financial hardship.
Anyone seeking a more affordable path to homeownership.
However, they do come with mortgage insurance premiums (MIP) and loan limits that may not suit buyers in ultra-high-cost markets or luxury property seekers.
To get approved for an FHA loan, you’ll typically need:
A steady employment history or consistent income.
A debt-to-income ratio below 43% (some exceptions apply).
A minimum credit score of 580 for 3.5% down (500–579 may qualify with 10% down).
The home must be your primary residence.
FHA loans are a smart, flexible path to homeownership — but you don't have to figure it all out on your own.
We’ve helped thousands of homebuyers understand their options, qualify with confidence, and close with ease.
Whether you’re buying your first home or making a fresh start, our FHA loan specialists are here to guide you every step of the way.
From understanding your loan limits to getting pre-approved, we’ll make the process clear and stress-free.
Let’s make homeownership happen — together.
