fha loan limits Archives

Understanding FHA Loan Requirements for Potential Home Buyers and Homeowners

By Spencer Llewellyn at 4:04 pm on April 3, 2024

When you’re in the market for a new home or considering refinancing your current mortgage, an FHA loan could be a smart option to explore. FHA loans are known for their relative ease of qualification and consumer protections, which is particularly beneficial for potential home buyers with less-than-perfect credit histories or those needing a refinance loan. In this article, we’ll walk you through the key FHA loan requirements, leveraging information from the Congressional Research Service and an FHA Reference Guide to give you a well-rounded understanding.

FHA Loan Limits

By Spencer Llewellyn at 12:03 pm on January 1, 2020

The Federal Housing Administration (FHA) makes it possible for Americans with lower incomes and imperfect credit ratings to purchase a home. FHA loan limits were recently increased so that larger loans can now be obtained. Read More

fha loan limits fha loans

Vermont FHA Approved Condos

By Spencer Llewellyn at 1:34 am on June 11, 2014

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NATHANIEL COURT
BENNINGTON, VT, 05201
BENNINGTON County
FHA Condo ID: VT-004-96
Date Approved: 1996-10-24

BROOKSIDE CONDOMINIUMS
BRATTLEBORO, VT, 05301
WINDHAM County
FHA Condo ID: VA-003-90
Date Approved: 1985-06-01

MORNINGSIDE COMMONS
BRATTLEBORO, VT, 05301
WINDHAM County
FHA Condo ID: VA-005-90
Date Approved: 1985-06-01

APPLE TREE POINT CONDOMINIUMS
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VT-001-96
Date Approved: 1996-03-12

CITY BLUFFS
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VT-002-92
Date Approved: 1992-12-23

FAIRMONT PLACE CONDOMINIUMS
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VT-002-94
Date Approved: 1994-02-14

RIVERS EDGE
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VT-002-93
Date Approved: 1993-03-25

ROSE STREET COOPERATIVE CONDOS
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VA-006-90
Date Approved: 1985-06-01

VALADE PARK
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VT-002-98
Date Approved: 1998-02-24

Remarks:

52 UNITS - SITE INSPECTION 2-24-98

VALLEY RIDGE <PUD>
BURLINGTON, VT, 05401
CHITTENDEN County
FHA Condo ID: VA-010-90
Date Approved: 1985-06-01

CREEK FARM TOWN HOUSES
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-002-97
Date Approved: 1997-07-29

CREEKSIDE CONDOMINIUMS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-003-95
Date Approved: 1995-05-22

CREEKSIDE CONDOMINIUMS (Phase 1&2)
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-003-95
Date Approved: 1995-05-22

HOLLOW CREEK
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-001-94
Date Approved: 1994-01-10

PARTRIDGE HILL CONDOMINIUMS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-001-95
Date Approved: 1995-03-03

PHEASANT WOODS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-011-93
Date Approved: 1993-10-13

RED PINES CONDOMINIUMS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-002-95
Date Approved: 1995-04-05

SUNDERLAND WOODS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-004-94
Date Approved: 1994-08-30

VALLEYFIELD COMMONS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-003-91
Date Approved: 1991-06-06

WESTBROOK CONDO (Phase I)
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-001-91
Date Approved: 1991-02-13

Remarks:

24 UNITS SITE VISIT020591

WHISPERING PINES CONDOMINIUMS
COLCHESTER, VT, 05446
CHITTENDEN County
FHA Condo ID: VT-006-95
Date Approved: 1995-10-05

ESSEX GREEN CONODMINIUMS
ESSEX JCT, VT, 00000
FHA Condo ID: VT-002-91
Date Approved: 1991-04-24

Remarks:

BUILDING A, C, E, AND F ARE APPROVED. B AND D BUILDINGS ARE NOT APPROVED.

BRICK YARD CONDOMINIUMS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VA-002-90
Date Approved: 1985-06-01

BROOKSIDE CONDOMINIUMS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-006-93
Date Approved: 1993-05-01

CHASE COMMONS CONDOMINIUM
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-002-90
Date Approved: 1990-04-12

COBLEIGH SQUARE
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-001-98
Date Approved: 1998-01-09

EAST CREEK CONDOMINIUMS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-005-95
Date Approved: 1995-09-19

ESSEX PARK WEST
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-007-94
Date Approved: 1994-09-13

PLAZA. PARK CONDOMINIUMS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-003-90
Date Approved: 1990-04-26

SAY BROOK CLUSTERS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VA-007-90
Date Approved: 1985-06-01

SHERWOOD SQUARE CONDOS
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VA-008-90
Date Approved: 1985-06-01

SOUTH CREEK
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-009-93
Date Approved: 1993-06-01

VILLAGE GLEN CONDOMIINIUM
ESSEX JUNCTION, VT, 05452
CHITTENDEN County
FHA Condo ID: VT-003-98
Date Approved: 1998-03-27

Remarks:

INSPECTION 3-27-98

STONES THROW CONDOMINIUMS
HARTFORD, VT, 05047
WINDSOR County
FHA Condo ID: VT-003-97
Date Approved: 1997-07-08

LYMAN MEADOW
HINESBURG, VT, 05461
CHITTENDEN County
FHA Condo ID: VT-007-93
Date Approved: 1993-06-09

MIDDLEBURY EAST CONDOMINIUM
MIDDLEBURY, VT, 05753
ADDISON County
FHA Condo ID: VT-001-90
Date Approved: 1990-04-03

Remarks:

50 UNITS

WOODLAND PARK
MIDDLEBURY, VT, 05753
ADDISON County
FHA Condo ID: VT-006-96
Date Approved: 1996-12-13

FOX BRIAR CONDOMINIUMS
MILTON, VT, 05468
CHITTENDEN County
FHA Condo ID: VT-010-93
Date Approved: 1993-09-13

GRIEVES FARM
MONTPELIER, VT, 05602
WASHINGTON County
FHA Condo ID: VA-004-90
Date Approved: 1985-06-01

THE COMMONS
MORETOWN, VT, 05660
WASHINGTON County
FHA Condo ID: VT-003-94
Date Approved: 1994-07-15

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fha loan limits fha loans

Kentucky FHA Loan Limits

By Spencer Llewellyn at 1:45 am on November 18, 2013

What are FHA Loan Limits in Kentucky?

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

Kentucky FHA Loan Limits Search:

County Name	Area	1-Unit	2-Unit	3-Unit	4-Unit
ADAIR	NON-METRO	$331,760	$424,800	$513,450	$638,100
ALLEN	BOWLING GREEN, KY	$331,760	$424,800	$513,450	$638,100
ANDERSON	FRANKFORT, KY	$331,760	$424,800	$513,450	$638,100
BALLARD	PADUCAH, KY-IL	$331,760	$424,800	$513,450	$638,100
BARREN	GLASGOW, KY	$331,760	$424,800	$513,450	$638,100
BATH	MOUNT STERLING, KY	$331,760	$424,800	$513,450	$638,100
BELL	MIDDLESBOROUGH, KY	$331,760	$424,800	$513,450	$638,100
BOONE	CINCINNATI, OH-KY-IN	$331,760	$424,800	$513,450	$638,100
BOURBON	LEXINGTON-FAYETTE, KY	$331,760	$424,800	$513,450	$638,100
BOYD	HUNTINGTON-ASHLAND, WV-KY-OH	$331,760	$424,800	$513,450	$638,100
BOYLE	DANVILLE, KY	$331,760	$424,800	$513,450	$638,100
BRACKEN	CINCINNATI, OH-KY-IN	$331,760	$424,800	$513,450	$638,100
BREATHITT	NON-METRO	$331,760	$424,800	$513,450	$638,100
BRECKINRIDGE	NON-METRO	$331,760	$424,800	$513,450	$638,100
BULLITT	LOUISVILLE/JEFFERSON COUNTY, KY-IN	$333,500	$426,950	$516,050	$641,350
BUTLER	BOWLING GREEN, KY	$331,760	$424,800	$513,450	$638,100
CALDWELL	NON-METRO	$331,760	$424,800	$513,450	$638,100
CALLOWAY	MURRAY, KY	$331,760	$424,800	$513,450	$638,100
CAMPBELL	CINCINNATI, OH-KY-IN	$331,760	$424,800	$513,450	$638,100
CARLISLE	NON-METRO	$331,760	$424,800	$513,450	$638,100
CARROLL	NON-METRO	$331,760	$424,800	$513,450	$638,100
CARTER	HUNTINGTON-ASHLAND, WV-KY-OH	$331,760	$424,800	$513,450	$638,100
CASEY	NON-METRO	$331,760	$424,800	$513,450	$638,100
CHRISTIAN	CLARKSVILLE, TN-KY	$331,760	$424,800	$513,450	$638,100
CLARK	LEXINGTON-FAYETTE, KY	$331,760	$424,800	$513,450	$638,100
CLAY	LONDON, KY	$331,760	$424,800	$513,450	$638,100
CLINTON	NON-METRO	$331,760	$424,800	$513,450	$638,100
CRITTENDEN	NON-METRO	$331,760	$424,800	$513,450	$638,100
CUMBERLAND	NON-METRO	$331,760	$424,800	$513,450	$638,100
DAVIESS	OWENSBORO, KY	$331,760	$424,800	$513,450	$638,100
EDMONSON	BOWLING GREEN, KY	$331,760	$424,800	$513,450	$638,100
ELLIOTT	NON-METRO	$331,760	$424,800	$513,450	$638,100
ESTILL	RICHMOND-BEREA, KY	$331,760	$424,800	$513,450	$638,100
FAYETTE	LEXINGTON-FAYETTE, KY	$331,760	$424,800	$513,450	$638,100
FLEMING	NON-METRO	$331,760	$424,800	$513,450	$638,100
FLOYD	NON-METRO	$331,760	$424,800	$513,450	$638,100
FRANKLIN	FRANKFORT, KY	$331,760	$424,800	$513,450	$638,100
FULTON	NON-METRO	$331,760	$424,800	$513,450	$638,100
GALLATIN	CINCINNATI, OH-KY-IN	$331,760	$424,800	$513,450	$638,100
GARRARD	NON-METRO	$331,760	$424,800	$513,450	$638,100
GRANT	CINCINNATI, OH-KY-IN	$331,760	$424,800	$513,450	$638,100
GRAVES	MAYFIELD, KY	$331,760	$424,800	$513,450	$638,100
GRAYSON	NON-METRO	$331,760	$424,800	$513,450	$638,100
GREEN	CAMPBELLSVILLE, KY	$331,760	$424,800	$513,450	$638,100
GREENUP	HUNTINGTON-ASHLAND, WV-KY-OH	$331,760	$424,800	$513,450	$638,100
HANCOCK	OWENSBORO, KY	$331,760	$424,800	$513,450	$638,100
HARDIN	ELIZABETHTOWN-FORT KNOX, KY	$331,760	$424,800	$513,450	$638,100
HARLAN	NON-METRO	$331,760	$424,800	$513,450	$638,100
HARRISON	NON-METRO	$331,760	$424,800	$513,450	$638,100
HART	NON-METRO	$331,760	$424,800	$513,450	$638,100
HENDERSON	EVANSVILLE, IN-KY	$331,760	$424,800	$513,450	$638,100
HENRY	LOUISVILLE/JEFFERSON COUNTY, KY-IN	$333,500	$426,950	$516,050	$641,350
HICKMAN	NON-METRO	$331,760	$424,800	$513,450	$638,100
HOPKINS	MADISONVILLE, KY	$331,760	$424,800	$513,450	$638,100
JACKSON	NON-METRO	$331,760	$424,800	$513,450	$638,100
JEFFERSON	LOUISVILLE/JEFFERSON COUNTY, KY-IN	$333,500	$426,950	$516,050	$641,350
JESSAMINE	LEXINGTON-FAYETTE, KY	$331,760	$424,800	$513,450	$638,100
JOHNSON	NON-METRO	$331,760	$424,800	$513,450	$638,100
KENTON	CINCINNATI, OH-KY-IN	$331,760	$424,800	$513,450	$638,100
KNOTT	NON-METRO	$331,760	$424,800	$513,450	$638,100
KNOX	LONDON, KY	$331,760	$424,800	$513,450	$638,100
LARUE	ELIZABETHTOWN-FORT KNOX, KY	$331,760	$424,800	$513,450	$638,100
LAUREL	LONDON, KY	$331,760	$424,800	$513,450	$638,100
LAWRENCE	NON-METRO	$331,760	$424,800	$513,450	$638,100
LEE	NON-METRO	$331,760	$424,800	$513,450	$638,100
LESLIE	NON-METRO	$331,760	$424,800	$513,450	$638,100
LETCHER	NON-METRO	$331,760	$424,800	$513,450	$638,100
LEWIS	NON-METRO	$331,760	$424,800	$513,450	$638,100
LINCOLN	DANVILLE, KY	$331,760	$424,800	$513,450	$638,100
LIVINGSTON	PADUCAH, KY-IL	$331,760	$424,800	$513,450	$638,100
LOGAN	NON-METRO	$331,760	$424,800	$513,450	$638,100
LYON	NON-METRO	$331,760	$424,800	$513,450	$638,100
MADISON	RICHMOND-BEREA, KY	$331,760	$424,800	$513,450	$638,100
MAGOFFIN	NON-METRO	$331,760	$424,800	$513,450	$638,100
MARION	NON-METRO	$331,760	$424,800	$513,450	$638,100
MARSHALL	NON-METRO	$331,760	$424,800	$513,450	$638,100
MARTIN	NON-METRO	$331,760	$424,800	$513,450	$638,100
MASON	MAYSVILLE, KY	$331,760	$424,800	$513,450	$638,100
MCCRACKEN	PADUCAH, KY-IL	$331,760	$424,800	$513,450	$638,100
MCCREARY	NON-METRO	$331,760	$424,800	$513,450	$638,100
MCLEAN	OWENSBORO, KY	$331,760	$424,800	$513,450	$638,100
MEADE	ELIZABETHTOWN-FORT KNOX, KY	$331,760	$424,800	$513,450	$638,100
MENIFEE	MOUNT STERLING, KY	$331,760	$424,800	$513,450	$638,100
MERCER	NON-METRO	$331,760	$424,800	$513,450	$638,100
METCALFE	GLASGOW, KY	$331,760	$424,800	$513,450	$638,100
MONROE	NON-METRO	$331,760	$424,800	$513,450	$638,100
MONTGOMERY	MOUNT STERLING, KY	$331,760	$424,800	$513,450	$638,100
MORGAN	NON-METRO	$331,760	$424,800	$513,450	$638,100
MUHLENBERG	CENTRAL CITY, KY	$331,760	$424,800	$513,450	$638,100
NELSON	BARDSTOWN, KY	$331,760	$424,800	$513,450	$638,100
NICHOLAS	NON-METRO	$331,760	$424,800	$513,450	$638,100
OHIO	NON-METRO	$331,760	$424,800	$513,450	$638,100
OLDHAM	LOUISVILLE/JEFFERSON COUNTY, KY-IN	$333,500	$426,950	$516,050	$641,350
OWEN	NON-METRO	$331,760	$424,800	$513,450	$638,100
OWSLEY	NON-METRO	$331,760	$424,800	$513,450	$638,100
PENDLETON	CINCINNATI, OH-KY-IN	$331,760	$424,800	$513,450	$638,100
PERRY	NON-METRO	$331,760	$424,800	$513,450	$638,100
PIKE	NON-METRO	$331,760	$424,800	$513,450	$638,100
POWELL	NON-METRO	$331,760	$424,800	$513,450	$638,100
PULASKI	SOMERSET, KY	$331,760	$424,800	$513,450	$638,100
ROBERTSON	NON-METRO	$331,760	$424,800	$513,450	$638,100
ROCKCASTLE	NON-METRO	$331,760	$424,800	$513,450	$638,100
ROWAN	NON-METRO	$331,760	$424,800	$513,450	$638,100
RUSSELL	NON-METRO	$331,760	$424,800	$513,450	$638,100
SCOTT	LEXINGTON-FAYETTE, KY	$331,760	$424,800	$513,450	$638,100
SHELBY	LOUISVILLE/JEFFERSON COUNTY, KY-IN	$333,500	$426,950	$516,050	$641,350
SIMPSON	NON-METRO	$331,760	$424,800	$513,450	$638,100
SPENCER	LOUISVILLE/JEFFERSON COUNTY, KY-IN	$333,500	$426,950	$516,050	$641,350
TAYLOR	CAMPBELLSVILLE, KY	$331,760	$424,800	$513,450	$638,100
TODD	NON-METRO	$331,760	$424,800	$513,450	$638,100
TRIGG	CLARKSVILLE, TN-KY	$331,760	$424,800	$513,450	$638,100
TRIMBLE	NON-METRO	$331,760	$424,800	$513,450	$638,100
UNION	NON-METRO	$331,760	$424,800	$513,450	$638,100
WARREN	BOWLING GREEN, KY	$331,760	$424,800	$513,450	$638,100
WASHINGTON	NON-METRO	$331,760	$424,800	$513,450	$638,100
WAYNE	NON-METRO	$331,760	$424,800	$513,450	$638,100
WEBSTER	NON-METRO	$331,760	$424,800	$513,450	$638,100
WHITLEY	LONDON, KY	$331,760	$424,800	$513,450	$638,100
WOLFE	NON-METRO	$331,760	$424,800	$513,450	$638,100
WOODFORD	LEXINGTON-FAYETTE, KY	$331,760	$424,800	$513,450	$638,100

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

How are Kentucky FHA Limits Set?

Kentucky FHA Loan Limits Mortgage limits for Kentucky 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.

KY FHA Loan-to-Value Limits (LTV)

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

Kentucky FHA loan limits are set above the floor amount in areas near Louisville and Cincinnati, OH. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

FHA Loan Limits for all 50 states
Conforming Loan Limits for all 50 states
Check Your FHA Loan Eligibility
Determine Your FHA Mortgage Payment Amount
Check Current FHA Mortgage Rates
FHA Loan Requirements
Understanding FHA Mortgage Insurance
FHA Payment Calculator
FHA Mortgage Insurance Calculator
FHA Upfront MIP Calculator
FHA Refinance Loans
FHA Streamline Refinance
FHA Cash-Out Refinance
Other Mortgage Options
Ask an FHA Mortgage Question
FHA Mortgage Rates

fha loan limits fha loans

New Jersey FHA Loan Limits

By Spencer Llewellyn at 4:08 am on November 15, 2013

What are FHA Loan Limits in New Jersey?

FHA loans are a low down payment mortgage program and New Jersey 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 New Jersey are set above the floor amount of $275,665 across the entire state.

New Jersey FHA Loan Limits Search:

County Name	Area	1-Unit	2-Unit	3-Unit	4-Unit
ATLANTIC	ATLANTIC CITY-HAMMONTON, NJ	$331,760	$424,800	$513,450	$638,100
BERGEN	NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA	$765,600	$980,325	$1,184,925	$1,472,550
BURLINGTON	PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD	$408,250	$522,600	$631,750	$785,100
CAMDEN	PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD	$408,250	$522,600	$631,750	$785,100
CAPE MAY	OCEAN CITY, NJ	$414,000	$530,000	$640,650	$796,150
CUMBERLAND	VINELAND-BRIDGETON, NJ	$331,760	$424,800	$513,450	$638,100
ESSEX	NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA	$765,600	$980,325	$1,184,925	$1,472,550
GLOUCESTER	PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD	$408,250	$522,600	$631,750	$785,100
HUDSON	NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA	$765,600	$980,325	$1,184,925	$1,472,550
HUNTERDON	NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA	$765,600	$980,325	$1,184,925	$1,472,550
MERCER	TRENTON-PRINCETON, NJ	$345,000	$441,650	$533,850	$663,450
MIDDLESEX	NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA	$765,600	$980,325	$1,184,925	$1,472,550
MONMOUTH	NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA	$765,600	$980,325	$1,184,925	$1,472,550
MORRIS	NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA	$765,600	$980,325	$1,184,925	$1,472,550
OCEAN	NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA	$765,600	$980,325	$1,184,925	$1,472,550
PASSAIC	NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA	$765,600	$980,325	$1,184,925	$1,472,550
SALEM	PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD	$408,250	$522,600	$631,750	$785,100
SOMERSET	NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA	$765,600	$980,325	$1,184,925	$1,472,550
SUSSEX	NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA	$765,600	$980,325	$1,184,925	$1,472,550
UNION	NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA	$765,600	$980,325	$1,184,925	$1,472,550
WARREN	ALLENTOWN-BETHLEHEM-EASTON, PA-NJ	$372,600	$477,000	$576,550	$716,550

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

How are New Jersey FHA Limits Set?

New Jersey FHA Loan Limits Mortgage limits for New Jersey 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.

New Jersey FHA Loan-to-Value Limits (LTV)

Purchase Loans – The mortgage loan-to-value limit in New Jersey 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 New Jersey 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.

New Jersey FHA loan limits are set above the nationwide floor amount in Newark, Perth Amboy, Vineland, Union, Piscataway, New Brunswick, Hoboken, Plainfield, Jersey City and all other areas in the state. You may also want to view these additional FHA loan resources before deciding on a mortgage loan: