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If you’re considering purchasing a new primary residence, maybe as a first-time homebuyer, you might have deferred your plans because you don’t have the funds to put a large down payment on your home, or because you fear a lower credit score might prevent you from getting a loan without high MI payments. Fortunately, low-cost mortgages provided by the Federal Housing Administration – also called FHA loans – are an option for consumers with these concerns.

One thing to know is that FHA loans may not be the right fit for all borrowers. Every year, the federal government determines what the maximum FHA loan limit is for homebuyers who want to buy property in a given county. Learn more about FHA county loan limits, and how to determine the ones that impact you, below.


Where to Find Mortgage Loan Limits for FHA

Each year, the FHA publishes a searchable list by county at Using this tool, you may search the names of a county in which you’d like to purchase a primary residence. According to the site: “FHA’s nationwide forward mortgage limit ‘floor’ and ‘ceiling’ for a one-unit property in 2024 are $498,257 and $1,149,825 respectively”.

We want you to have all the facts you need to make an informed decision about your future homebuying. At The Federal Savings Bank, we’re proud to educate homebuyers in all fifty states about their loan options for making their homeownership dreams come to life. Read on to learn ways to estimate how much you may potentially afford with an FHA home loan.


Next Steps After Learning Your FHA Loan Limit

There are tools available through The Federal Savings Bank, such as our Learning Center and our free mortgage calculator, which helps our borrowers determine just how much home they may afford. Even with rough estimates for your down payment size, credit score, or ideal monthly payment, you can calculate an estimate for your potential FHA home loan amount with this versatile tool. Compare that to the FHA loan limit for your preferred county – if you are seeking an FHA loan below the limit, you may be eligible to apply.

Ready for the next step? Find a loan officer or get started on your mortgage application today and be sure to indicate that you are interested in an FHA loan on your home!


Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.

This article is intended for general informational and educational purposes only and should not be construed as financial or tax advice. For more information on financial planning or investment advice, consult a registered investment advisor or financial planner. For tax advice, please consult a tax professional.

This information is intended for educational purposes only. Products and interest rates subject to change without notice. Loan products are subject to credit approval and include terms and conditions, fees and other costs. Terms and conditions may apply. Property insurance is required on all loans secured by property. VA loan products are subject to VA eligibility requirements. Adjustable Rate Mortgage (ARM) interest rates and monthly payment are subject to adjustment. Upon submission of a full application, a mortgage banker will review and provide you with the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.