2026 FHA Loan Limits

HUD's 2026 FHA loan limits are the highest in the program's history, effective for case numbers assigned on or after January 1, 2026. The national floor for a single-family home is $541,287 — up 3.26% from 2025 — and the high-cost ceiling is $1,249,125.

The mechanics: the floor is 65% of the 2026 national conforming limit ($832,750); the ceiling is 150% of it. Counties in between are set at 115% of the local median home price. Alaska, Hawaii, Guam, and the U.S. Virgin Islands are special exception areas with single-family limits up to $1,873,687.

Multi-unit limits rise steeply — at the floor, $693,050 for two units, $837,700 for three, and $1,041,125 for four — which is what makes the owner-occupied multi-family 203k such a powerful strategy.

For renovation borrowers, the limit is the ceiling on your total loan — purchase plus renovation — so knowing your county's exact number is step one of budgeting. Any licensed lender in our network can confirm it, or check your state guide for how your market compares to the floor.