What are FHA Loan Limits in Indiana?

FHA loans are a low down payment mortgage program and Indiana FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Indiana are set at the floor amount of $275,665 across almost the entire state.

Indiana FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ADAMSDECATUR, IN$275,665$352,950$426,625$530,150
ALLENFORT WAYNE, IN$275,665$352,950$426,625$530,150
BARTHOLOMEWCOLUMBUS, IN$275,665$352,950$426,625$530,150
BENTONLAFAYETTE-WEST LAFAYETTE, IN$275,665$352,950$426,625$530,150
BLACKFORDNON-METRO$275,665$352,950$426,625$530,150
BOONEINDIANAPOLIS-CARMEL-ANDERSON, IN$308,200$394,550$476,900$592,700
BROWNINDIANAPOLIS-CARMEL-ANDERSON, IN$308,200$394,550$476,900$592,700
CARROLLLAFAYETTE-WEST LAFAYETTE, IN$275,665$352,950$426,625$530,150
CASSLOGANSPORT, IN$275,665$352,950$426,625$530,150
CLARKLOUISVILLE/JEFFERSON , KY-IN$299,000$382,750$462,650$575,000
CLAYTERRE HAUTE, IN$275,665$352,950$426,625$530,150
CLINTONFRANKFORT, IN$275,665$352,950$426,625$530,150
CRAWFORDNON-METRO$275,665$352,950$426,625$530,150
DAVIESSWASHINGTON, IN$275,665$352,950$426,625$530,150
DEARBORNCINCINNATI, OH-KY-IN$275,665$352,950$426,625$530,150
DECATURGREENSBURG, IN$275,665$352,950$426,625$530,150
DEKALBAUBURN, IN$275,665$352,950$426,625$530,150
DELAWAREMUNCIE, IN$275,665$352,950$426,625$530,150
DUBOISJASPER, IN$275,665$352,950$426,625$530,150
ELKHARTELKHART-GOSHEN, IN$275,665$352,950$426,625$530,150
FAYETTECONNERSVILLE, IN$275,665$352,950$426,625$530,150
FLOYDLOUISVILLE/JEFFERSON , KY-IN$299,000$382,750$462,650$575,000
FOUNTAINNON-METRO$275,665$352,950$426,625$530,150
FRANKLINNON-METRO$275,665$352,950$426,625$530,150
FULTONNON-METRO$275,665$352,950$426,625$530,150
GIBSONNON-METRO$275,665$352,950$426,625$530,150
GRANTMARION, IN$275,665$352,950$426,625$530,150
GREENENON-METRO$275,665$352,950$426,625$530,150
HAMILTONINDIANAPOLIS-CARMEL-ANDERSON, IN$308,200$394,550$476,900$592,700
HANCOCKINDIANAPOLIS-CARMEL-ANDERSON, IN$308,200$394,550$476,900$592,700
HARRISONLOUISVILLE/JEFFERSON , KY-IN$299,000$382,750$462,650$575,000
HENDRICKSINDIANAPOLIS-CARMEL-ANDERSON, IN$308,200$394,550$476,900$592,700
HENRYNEW CASTLE, IN$275,665$352,950$426,625$530,150
HOWARDKOKOMO, IN$275,665$352,950$426,625$530,150
HUNTINGTONHUNTINGTON, IN$275,665$352,950$426,625$530,150
JACKSONSEYMOUR, IN$275,665$352,950$426,625$530,150
JASPERCHICAGO-NAPERVILLE-ELGIN, IL-IN-WI$365,700$468,150$565,900$703,250
JAYNON-METRO$275,665$352,950$426,625$530,150
JEFFERSONMADISON, IN$275,665$352,950$426,625$530,150
JENNINGSNORTH VERNON, IN$275,665$352,950$426,625$530,150
JOHNSONINDIANAPOLIS-CARMEL-ANDERSON, IN$308,200$394,550$476,900$592,700
KNOXVINCENNES, IN$275,665$352,950$426,625$530,150
KOSCIUSKOWARSAW, IN$275,665$352,950$426,625$530,150
LAGRANGENON-METRO$275,665$352,950$426,625$530,150
LAKECHICAGO-NAPERVILLE-ELGIN, IL-IN-WI$365,700$468,150$565,900$703,250
LAPORTEMICHIGAN CITY-LA PORTE, IN$275,665$352,950$426,625$530,150
LAWRENCEBEDFORD, IN$275,665$352,950$426,625$530,150
MADISONINDIANAPOLIS-CARMEL-ANDERSON, IN$308,200$394,550$476,900$592,700
MARIONINDIANAPOLIS-CARMEL-ANDERSON, IN$308,200$394,550$476,900$592,700
MARSHALLPLYMOUTH, IN$275,665$352,950$426,625$530,150
MARTINNON-METRO$275,665$352,950$426,625$530,150
MIAMIPERU, IN$275,665$352,950$426,625$530,150
MONROEBLOOMINGTON, IN$275,665$352,950$426,625$530,150
MONTGOMERYCRAWFORDSVILLE, IN$275,665$352,950$426,625$530,150
MORGANINDIANAPOLIS-CARMEL-ANDERSON, IN$308,200$394,550$476,900$592,700
NEWTONCHICAGO-NAPERVILLE-ELGIN, IL-IN-WI$365,700$468,150$565,900$703,250
NOBLEKENDALLVILLE, IN$275,665$352,950$426,625$530,150
OHIOCINCINNATI, OH-KY-IN$275,665$352,950$426,625$530,150
ORANGENON-METRO$275,665$352,950$426,625$530,150
OWENBLOOMINGTON, IN$275,665$352,950$426,625$530,150
PARKENON-METRO$275,665$352,950$426,625$530,150
PERRYNON-METRO$275,665$352,950$426,625$530,150
PIKEJASPER, IN$275,665$352,950$426,625$530,150
PORTERCHICAGO-NAPERVILLE-ELGIN, IL-IN-WI$365,700$468,150$565,900$703,250
POSEYEVANSVILLE, IN-KY$275,665$352,950$426,625$530,150
PULASKINON-METRO$275,665$352,950$426,625$530,150
PUTNAMINDIANAPOLIS-CARMEL-ANDERSON, IN$308,200$394,550$476,900$592,700
RANDOLPHNON-METRO$275,665$352,950$426,625$530,150
RIPLEYNON-METRO$275,665$352,950$426,625$530,150
RUSHNON-METRO$275,665$352,950$426,625$530,150
SCOTTLOUISVILLE/JEFFERSON , KY-IN$299,000$382,750$462,650$575,000
SHELBYINDIANAPOLIS-CARMEL-ANDERSON, IN$308,200$394,550$476,900$592,700
SPENCERNON-METRO$275,665$352,950$426,625$530,150
ST. JOSEPHSOUTH BEND-MISHAWAKA, IN-MI$275,665$352,950$426,625$530,150
STARKENON-METRO$275,665$352,950$426,625$530,150
STEUBENANGOLA, IN$275,665$352,950$426,625$530,150
SULLIVANTERRE HAUTE, IN$275,665$352,950$426,625$530,150
SWITZERLANDNON-METRO$275,665$352,950$426,625$530,150
TIPPECANOELAFAYETTE-WEST LAFAYETTE, IN$275,665$352,950$426,625$530,150
TIPTONNON-METRO$275,665$352,950$426,625$530,150
UNIONCINCINNATI, OH-KY-IN$275,665$352,950$426,625$530,150
VANDERBURGHEVANSVILLE, IN-KY$275,665$352,950$426,625$530,150
VERMILLIONTERRE HAUTE, IN$275,665$352,950$426,625$530,150
VIGOTERRE HAUTE, IN$275,665$352,950$426,625$530,150
WABASHWABASH, IN$275,665$352,950$426,625$530,150
WARRENNON-METRO$275,665$352,950$426,625$530,150
WARRICKEVANSVILLE, IN-KY$275,665$352,950$426,625$530,150
WASHINGTONLOUISVILLE/JEFFERSON , KY-IN$299,000$382,750$462,650$575,000
WAYNERICHMOND, IN$275,665$352,950$426,625$530,150
WELLSFORT WAYNE, IN$275,665$352,950$426,625$530,150
WHITENON-METRO$275,665$352,950$426,625$530,150
WHITLEYFORT WAYNE, IN$275,665$352,950$426,625$530,150

Indiana FHA loan limits can change at any time. Check back often to ensure accurate information.

How are Indiana FHA Limits Set?

Indiana FHA Loan LimitsMortgage limits for Indiana FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

IN FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in IN is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in IN is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Indiana FHA loan limits are set above the floor FHA mortgage amount of $275,665 in Gary and Hammond. Other areas with limits at the floor amount include Indianapolis, Fort Wayne, Evansville and South Bend.  You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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