FHA Loan Limits Have Increased for 2019!

December 18, 2018


The Federal Housing Administration (FHA) has announced new loan limits for 2019! The new limits reflect the increase in home prices across the country and apply to loans assigned on or after January 1, 2019. This increase opens up homeownership opportunities to more Americans.


Why Are Loan Limits Increasing?


Housing prices are on the rise, and the FHA is required by the National Housing Act to maintain limits at 115% of median home prices (calculated using Metropolitan Statistical Area and county information).



New Loan Limits


Floor limits for one-unit properties are increasing from $294,515 to $314,827 in 2019, which is 65% of the national conforming loan limit of $484,350. In high-cost areas, ceiling loan limits will increase from $679,650 to $726,525, which is 150% of $484,350. These percentages are mandated by the Housing Economic Recovery Act (HERA).






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