2026 FHA Loan Limits
As we head into 2026, there’s great news for homebuyers and homeowners considering an FHA-insured mortgage. The Federal Housing Administration (FHA) has announced updated loan limits that will give you even more buying power in many parts of the country. These changes take effect for FHA case numbers assigned on or after January 1, 2026.
2026 FHA Loan Limits — Big Picture
Single-Family Homes (1-Unit)
- Low-cost areas: approximately $541,287
- High-cost areas: up to $1,249,125
This means buyers in more expensive markets can finance larger portions of their purchase price through FHA before hitting the cap.
Multi-Unit Properties
FHA also adjusts limits for 2-, 3-, and 4-unit properties — great news for house-hackers or investors buying a home with rental units:
- 2-Units: up to $1,599,375
- 3-Units: up to $1,933,200
- 4-Units: up to $2,402,625
These higher limits help buyers qualify for FHA financing on larger properties without needing a jumbo loan.
What does this mean for you? In most counties nationwide, FHA loan limits will increase for 2026 compared to 2025 — a reflection of rising home prices. Only a small handful of areas may see a slight decrease due to changes in regional housing data.
Why These Changes Matter
Here’s how the new 2026 FHA limits can help you:
- More buying power: Higher limits help more buyers qualify for FHA financing, especially in high-cost markets.
- Lower down payment options: FHA loans still let you buy with as little as 3.5% down (with qualifying credit), even at these higher purchase prices.
- Good for multi-unit homes: If you’re buying a duplex or triplex to live in and rent parts out, the increased limits make FHA a stronger option.
- Reflects real market values: Loan limits are tied to local home price data, so they adjust upward where prices have increased.
Our team can help you understand how these updated limits affect your buying power and review your best financing options.
Request a free consultation today! www.gmfsmortgage.com/get-started