Bulletin 2021-121 FHA Maximum Loan Limits 2022

FHA Maximum Loan Limits 2022

Newrez LLC “Newrez” Approved Correspondent Clients: please note that FHA has announced the 2022 Calendar Year (CY) nationwide and individual county loan limits, effective for FHA case numbers assigned on or after January 1, 2022.


The FHA mortgage loan limit thresholds for low-cost and high-cost areas will increase in 2022 to the amounts listed below by property size.



Property Size

Low-cost Area “Floor”

High-Cost Area “Ceiling”















Most counties will have increased mortgage loan limits in 2022 from 2021. The maximum individual county loan limits can be found at the following FHA link.


Newrez systems have been updated to reflect these limits, however, AUS systems may not automatically reflect the 2022 loan limits until after January 1, 2022. In cases, where the AUS does not recognize a 2022 loan limit and the case number assignment is dated January 1, 2022 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 2022 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.


Resource Links