The Federal Housing Administration has announced another increase in loan limits for 2026, raising the ceiling to $498,257 for most markets and over $1.1 million in designated high-cost areas. The adjustment reflects continued home price appreciation despite higher interest rates over the past two years.
FHA loans remain a critical pathway to homeownership for buyers with limited savings and lower credit scores. The higher limits ensure that the program remains relevant in markets where median home prices have risen significantly beyond previous thresholds.
