The Federal Housing Administration (FHA) today announced its 2026 Nationwide Forward Mortgage Loan Limits, which provides the maximum mortgage loan limits for single-family homes that are insured by the FHA.

The FHA national mortgage limits by the number of units for low- and high-cost areas are as follows:

Property Size	Low-Cost Area “Floor”	High-Cost Area “Ceiling”
One-Unit	$541,287	$1,249,125
Two-Units	$693,050	$1,599,375
Three-Units	$837,700	$1,933,200
Four-Units	$1,041,125	$2,402,625

Nearly all U.S. counties will have an increase in forward loan limits, with just 10 jurisdictions seeing a loan limit decrease from the 2025 levels.

FHA forward mortgage limits for individual Metropolitan Statistical Areas (MSAs) and counties are available on the FHA Mortgage Limits web page.

Downloadable text files with complete listings of all county loan limits are available on the CHUMS data files web page.

FHA’s list of areas at the “ceiling” and areas with limits between the “floor” and “ceiling” — along with lists that can be sorted by state, county, MSA or by calendar year — is available on the Maximum Mortgage Limits web page.