FHA has released their 2025 loan limits, with a base loan limit of $524,225 for lower cost areas and a limit of $1,209,750 in high cost areas. The high-cost limits are identical to conforming limits for high-cost areas. The FHA national low-cost area limits are set at 65 percent of the national conforming limit of $806,500 for a one-unit property. Additional FHA base limits include: two-unit properties: $671,200; three-unit properties: $811,275; and four-unit properties: $1,008,300. Additional high-cost limits include: two-unit properties: $1,548,975; three-unit properties: $1,872,225; and four-unit properties: $2,326,875.

FHA has published a separate list of counties with loan limit increases. You may view this list, along with a list of areas at the ceiling and a list of areas between the floor and ceiling, on the Maximum Mortgage Limits web page or look up individual areas using this link: Click Here. In addition, the national Reverse Mortgage limit (HECM) was set at the conforming high-cost limit, or $1,209,750. Overall, these higher loan limits will mean more choices for the average buyer in 2025. Note that these limits are effective only with applications assigned FHA case numbers on or after January 1, 2025.

 Source: FHA