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$331,760$424,800$513,450$638,100
ALLEGHENYPITTSBURGH, PA$331,760$424,800$513,450$638,100
ARMSTRONGPITTSBURGH, PA$331,760$424,800$513,450$638,100
BEAVERPITTSBURGH, PA$331,760$424,800$513,450$638,100
BEDFORDNON-METRO$331,760$424,800$513,450$638,100
BERKSREADING, PA$331,760$424,800$513,450$638,100
BLAIRALTOONA, PA$331,760$424,800$513,450$638,100
BRADFORDSAYRE, PA$331,760$424,800$513,450$638,100
BUCKSPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD$408,250$522,600$631,750$785,100
BUTLERPITTSBURGH, PA$331,760$424,800$513,450$638,100
CAMBRIAJOHNSTOWN, PA$331,760$424,800$513,450$638,100
CAMERONNON-METRO$331,760$424,800$513,450$638,100
CARBONALLENTOWN-BETHLEHEM-EASTON, PA-NJ$372,600$477,000$576,550$716,550
CENTRESTATE COLLEGE, PA$331,760$424,800$513,450$638,100
CHESTERPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD$408,250$522,600$631,750$785,100
CLARIONNON-METRO$331,760$424,800$513,450$638,100
CLEARFIELDDUBOIS, PA$331,760$424,800$513,450$638,100
CLINTONLOCK HAVEN, PA$331,760$424,800$513,450$638,100
COLUMBIABLOOMSBURG-BERWICK, PA$331,760$424,800$513,450$638,100
CRAWFORDMEADVILLE, PA$331,760$424,800$513,450$638,100
CUMBERLANDHARRISBURG-CARLISLE, PA$331,760$424,800$513,450$638,100
DAUPHINHARRISBURG-CARLISLE, PA$331,760$424,800$513,450$638,100
DELAWAREPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD$408,250$522,600$631,750$785,100
ELKST. MARYS, PA$331,760$424,800$513,450$638,100
ERIEERIE, PA$331,760$424,800$513,450$638,100
FAYETTEPITTSBURGH, PA$331,760$424,800$513,450$638,100
FORESTNON-METRO$331,760$424,800$513,450$638,100
FRANKLINCHAMBERSBURG-WAYNESBORO, PA$331,760$424,800$513,450$638,100
FULTONNON-METRO$331,760$424,800$513,450$638,100
GREENENON-METRO$331,760$424,800$513,450$638,100
HUNTINGDONHUNTINGDON, PA$331,760$424,800$513,450$638,100
INDIANAINDIANA, PA$331,760$424,800$513,450$638,100
JEFFERSONNON-METRO$331,760$424,800$513,450$638,100
JUNIATANON-METRO$331,760$424,800$513,450$638,100
LACKAWANNASCRANTON--WILKES-BARRE, PA$331,760$424,800$513,450$638,100
LANCASTERLANCASTER, PA$331,760$424,800$513,450$638,100
LAWRENCENEW CASTLE, PA$331,760$424,800$513,450$638,100
LEBANONLEBANON, PA$331,760$424,800$513,450$638,100
LEHIGHALLENTOWN-BETHLEHEM-EASTON, PA-NJ$372,600$477,000$576,550$716,550
LUZERNESCRANTON--WILKES-BARRE, PA$331,760$424,800$513,450$638,100
LYCOMINGWILLIAMSPORT, PA$331,760$424,800$513,450$638,100
MCKEANBRADFORD, PA$331,760$424,800$513,450$638,100
MERCERYOUNGSTOWN-WARREN-BOARDMAN, OH-PA$331,760$424,800$513,450$638,100
MIFFLINLEWISTOWN, PA$331,760$424,800$513,450$638,100
MONROEEAST STROUDSBURG, PA$331,760$424,800$513,450$638,100
MONTGOMERYPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD$408,250$522,600$631,750$785,100
MONTOURBLOOMSBURG-BERWICK, PA$331,760$424,800$513,450$638,100
NORTHAMPTONALLENTOWN-BETHLEHEM-EASTON, PA-NJ$372,600$477,000$576,550$716,550
NORTHUMBERLANDSUNBURY, PA$331,760$424,800$513,450$638,100
PERRYHARRISBURG-CARLISLE, PA$331,760$424,800$513,450$638,100
PHILADELPHIAPHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD$408,250$522,600$631,750$785,100
PIKENEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA$765,600$980,325$1,184,925$1,472,550
POTTERNON-METRO$331,760$424,800$513,450$638,100
SCHUYLKILLPOTTSVILLE, PA$331,760$424,800$513,450$638,100
SNYDERSELINSGROVE, PA$331,760$424,800$513,450$638,100
SOMERSETSOMERSET, PA$331,760$424,800$513,450$638,100
SULLIVANNON-METRO$331,760$424,800$513,450$638,100
SUSQUEHANNANON-METRO$331,760$424,800$513,450$638,100
TIOGANON-METRO$331,760$424,800$513,450$638,100
UNIONLEWISBURG, PA$331,760$424,800$513,450$638,100
VENANGOOIL CITY, PA$331,760$424,800$513,450$638,100
WARRENWARREN, PA$331,760$424,800$513,450$638,100
WASHINGTONPITTSBURGH, PA$331,760$424,800$513,450$638,100
WAYNENON-METRO$331,760$424,800$513,450$638,100
WESTMORELANDPITTSBURGH, PA$331,760$424,800$513,450$638,100
WYOMINGSCRANTON--WILKES-BARRE, PA$331,760$424,800$513,450$638,100
YORKYORK-HANOVER, PA$331,760$424,800$513,450$638,100

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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