What are FHA Loan Limits in Pennsylvania?

FHA loans are a low down payment mortgage program and Pennsylvania 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 Pennsylvania are set at the floor amount of $275,665 across almost the entire state.

Pennsylvania FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ADAMSGETTYSBURG, PA$275,665$352,950$426,625$530,150
ALLEGHENYPITTSBURGH, PA$275,665$352,950$426,625$530,150
ARMSTRONGPITTSBURGH, PA$275,665$352,950$426,625$530,150
BEAVERPITTSBURGH, PA$275,665$352,950$426,625$530,150
BEDFORDNON-METRO$275,665$352,950$426,625$530,150
BERKSREADING, PA$275,665$352,950$426,625$530,150
BLAIRALTOONA, PA$275,665$352,950$426,625$530,150
BRADFORDSAYRE, PA$275,665$352,950$426,625$530,150
BUCKSPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-D$379,500$485,800$587,250$729,800
BUTLERPITTSBURGH, PA$275,665$352,950$426,625$530,150
CAMBRIAJOHNSTOWN, PA$275,665$352,950$426,625$530,150
CAMERONNON-METRO$275,665$352,950$426,625$530,150
CARBONALLENTOWN-BETHLEHEM-EASTON, PA-NJ$372,600$477,000$576,550$716,550
CENTRESTATE COLLEGE, PA$275,665$352,950$426,625$530,150
CHESTERPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-D$379,500$485,800$587,250$729,800
CLARIONNON-METRO$275,665$352,950$426,625$530,150
CLEARFIELDDUBOIS, PA$275,665$352,950$426,625$530,150
CLINTONLOCK HAVEN, PA$275,665$352,950$426,625$530,150
COLUMBIABLOOMSBURG-BERWICK, PA$275,665$352,950$426,625$530,150
CRAWFORDMEADVILLE, PA$275,665$352,950$426,625$530,150
CUMBERLANDHARRISBURG-CARLISLE, PA$275,665$352,950$426,625$530,150
DAUPHINHARRISBURG-CARLISLE, PA$275,665$352,950$426,625$530,150
DELAWAREPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-D$379,500$485,800$587,250$729,800
ELKNON-METRO$275,665$352,950$426,625$530,150
ERIEERIE, PA$275,665$352,950$426,625$530,150
FAYETTEPITTSBURGH, PA$275,665$352,950$426,625$530,150
FORESTNON-METRO$275,665$352,950$426,625$530,150
FRANKLINCHAMBERSBURG-WAYNESBORO, PA$275,665$352,950$426,625$530,150
FULTONNON-METRO$275,665$352,950$426,625$530,150
GREENENON-METRO$275,665$352,950$426,625$530,150
HUNTINGDONHUNTINGDON, PA$275,665$352,950$426,625$530,150
INDIANAINDIANA, PA$275,665$352,950$426,625$530,150
JEFFERSONNON-METRO$275,665$352,950$426,625$530,150
JUNIATANON-METRO$275,665$352,950$426,625$530,150
LACKAWANNASCRANTON--WILKES-BARRE--HAZLETON, PA$275,665$352,950$426,625$530,150
LANCASTERLANCASTER, PA$275,665$352,950$426,625$530,150
LAWRENCENEW CASTLE, PA$275,665$352,950$426,625$530,150
LEBANONLEBANON, PA$275,665$352,950$426,625$530,150
LEHIGHALLENTOWN-BETHLEHEM-EASTON, PA-NJ$372,600$477,000$576,550$716,550
LUZERNESCRANTON--WILKES-BARRE--HAZLETON, PA$275,665$352,950$426,625$530,150
LYCOMINGWILLIAMSPORT, PA$275,665$352,950$426,625$530,150
MCKEANBRADFORD, PA$275,665$352,950$426,625$530,150
MERCERYOUNGSTOWN-WARREN-BOARDMAN, OH-PA$275,665$352,950$426,625$530,150
MIFFLINLEWISTOWN, PA$275,665$352,950$426,625$530,150
MONROEEAST STROUDSBURG, PA$275,665$352,950$426,625$530,150
MONTGOMERYPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-D$379,500$485,800$587,250$729,800
MONTOURBLOOMSBURG-BERWICK, PA$275,665$352,950$426,625$530,150
NORTHAMPTONALLENTOWN-BETHLEHEM-EASTON, PA-NJ$372,600$477,000$576,550$716,550
NORTHUMBERLANDSUNBURY, PA$275,665$352,950$426,625$530,150
PERRYHARRISBURG-CARLISLE, PA$275,665$352,950$426,625$530,150
PHILADELPHIAPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-D$379,500$485,800$587,250$729,800
PIKENEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$636,150$814,500$984,525$1,223,475
POTTERNON-METRO$275,665$352,950$426,625$530,150
SCHUYLKILLPOTTSVILLE, PA$275,665$352,950$426,625$530,150
SNYDERSELINSGROVE, PA$275,665$352,950$426,625$530,150
SOMERSETSOMERSET, PA$275,665$352,950$426,625$530,150
SULLIVANNON-METRO$275,665$352,950$426,625$530,150
SUSQUEHANNANON-METRO$275,665$352,950$426,625$530,150
TIOGANON-METRO$275,665$352,950$426,625$530,150
UNIONLEWISBURG, PA$275,665$352,950$426,625$530,150
VENANGOOIL CITY, PA$275,665$352,950$426,625$530,150
WARRENWARREN, PA$275,665$352,950$426,625$530,150
WASHINGTONPITTSBURGH, PA$275,665$352,950$426,625$530,150
WAYNENON-METRO$275,665$352,950$426,625$530,150
WESTMORELANDPITTSBURGH, PA$275,665$352,950$426,625$530,150
WYOMINGSCRANTON--WILKES-BARRE--HAZLETON, PA$275,665$352,950$426,625$530,150
YORKYORK-HANOVER, PA$275,665$352,950$426,625$530,150

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

How are Pennsylvania FHA Limits Set?

Pennsylvania FHA Loan LimitsMortgage limits for Pennsylvania 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.

Pennsylvania FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in Pennsylvania 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 Pennsylvania 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.

Pennsylvania FHA loan limits are set above the nationwide floor amount in Pittsburg, Philadelphia, Allentown and surrounding areas. 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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