FHA Loan Limits Increase to $525,000 in Most US Counties

The Federal Housing Administration has raised its loan limits to $525,000 in most US counties for 2026, a 5% increase that expands access to low-down-payment mortgages for first-time and moderate-income buyers.

High-Cost Areas

In high-cost markets like San Francisco, New York, and Los Angeles, FHA limits now reach $1,149,825. The increases reflect rising home prices across the country.

Who Benefits

FHA loans require just 3.5% down payment and accept credit scores as low as 580, making them the most accessible mortgage option for buyers who don't qualify for conventional loans.

• Standard limit: $525,000 (up 5%)
• High-cost limit: $1,149,825
• 3.5% minimum down payment
• Credit scores from 580 accepted