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Take Advantage of New FHA Loan Limits

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Take Advantage of New FHA Loan Limits

Borrowers using a Federal Housing Administration (FHA) loan to purchase a home in 2025 will benefit from higher loan limits. For most of the U.S., the new FHA loan limit is $524,225, and in certain high-cost areas, ceiling loan limits have risen to $1,209,750. This change expands the pool of homes available to you through FHA financing.

2025 FHA Loan Limits. Old floor limit: $498,257. New floor limit: $524,225. Old Ceiling Limit: $1,149,825. New Ceiling Limit: $1,209,750.

FHA loans are typically easier to qualify for than conventional loans and require lower down payments, so they may make homebuying more affordable and accessible depending on your situation.


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