FHA's nationwide forward mortgage limit "floor" and "ceiling" for a one-unit property in CY 2025 are $524,225 and $1, 209,750, respectively. Select the links below for additional mortgage limits guidance for forward mortgages: Refer to Mortgagee Letter 2024-21 for more details.

2023年11月28日 · FHA’s 2024 minimum national loan limit floor of $498,257 for a one-unit property is set at 65 percent of the national conforming loan limit. This floor applies to those areas where 115 percent of the median home price is less than the floor limit.

2023年11月28日 · The new ceiling loan limit for one-unit properties will be $1,149,825, which is 150 percent of $766,550. Special statutory provisions establish different loan limits for Alaska, Hawaii, Guam, and the U.S. Virgin Islands.

This page allows you to look up the FHA or GSE mortgage limits for one or more areas, and list them by state, county, or Metropolitan Statistical Area. The results page will also include a Median Sale Price value for each jurisdiction.

Fannie Mae and Freddie Mac are restricted by law to purchasing single-family mortgages with origination balances below a specific amount, known as the “conforming loan limit” (CLL) value. Loans above this amount are known as jumbo loans.

FHA must update its annual loan limits each year using a formula prescribed in the National Housing Act (NHA). This formula uses county or Metropolitan Statistical Area (MSA) home sale data to derive new loan limits for the three cost categories established by the law.

What are the New Limits for 2025? FHFA Loan Limits: Base Conforming Limit: The base conforming limit for one-unit properties will be $806,500, up from $766,550 (or 5.2 percent) from 2024. Ceiling Limit: The ceiling limit for high-cost properties will be $1,209,750, which is 150 percent of $806,500. FHA Loan Limits:

2024年12月3日 · The Federal Housing Finance Agency (FHFA) announced that conforming loan limit values (CLLs) for mortgages acquired by Fannie Mae and Freddie Mac will be $806,500 for one-unit properties in most of the United States in 2025. That represents a 5.2 percent increase from the 2024 limit.

2024年11月27日 · Changes to FHA, VA and USDA loan limits will be announced in a separate communication. Fannie Mae’s Desktop Underwriter. The 2025 loan limits will be applied to Desktop Underwriter (DU) loan submitted (or resubmitted) on …

On November 26, 2024 the Federal Housing Finance Agency (FHFA) raised the 2025 conforming loan limit on single family homes from $766,550 to $806,500 - an increase of $39,950 or 5.21%. That rate is the baseline limit for areas of the country where homes are fairly affordable.