Announcement 2026-001 FHA 2026 Maximum Loan Limits
FHA 2026 Maximum Loan Limits
Newrez LLC "Newrez" Approved Correspondent Clients; please note that FHA has announced Mortgagee Letter 2025-23 the 2026 Calendar Year (CY) nationwide and individual county loan limits, effective for FHA case numbers assigned on or after January 1, 2026.
The FHA mortgage loan limit thresholds for low-cost and high-cost areas will increase in 2026 to the amounts listed below by property size.
|
Property Size |
Low-cost Area “Floor” |
High-Cost Area “Ceiling” |
|
One-Unit |
$541,287 |
$1,249,125 |
|
Two-Unit |
$693,050 |
$1,599,375 |
|
Three-Unit |
$837,700 |
$1,933,200 |
|
Four-Unit |
$1,041,125 |
$2,402,625 |
Most counties will have increased mortgage loan limits in 2026 from 2025. The maximum individual county loan limits can be found at the following FHA Maximum Mortgage Limits
Newrez systems have been updated to reflect these limits, however, AUS systems may not automatically reflect the 2026 loan limits until after January 1, 2026. In cases, where the AUS does not recognize a 2026 loan limit and the case number assignment is dated January 1, 2026 or later, Newrez associates and clients can proceed with evidence from the FHA Mortgage Limits Search Tool that the loan amount is compliant with the 2026 individual county loan limit.
As a reminder, FHA mortgage loan limits apply to Base Loan amounts and can be exceeded by the financed UFMIP amount for the loan.