California FHA Loan Limits | 2020

California FHA Loan Limits

What are FHA Loan Limits in California?

FHA loans are a low down payment mortgage program and California 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 California vary across the state with nearly every county having a limit that’s above the floor of $275,665.

California FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ALAMEDASAN FRANCISCO-OAKLAND-BERKELEY, CA$765,600$980,325$1,184,925$1,472,550
ALPINENON-METRO$463,450$593,300$717,150$891,250
AMADORNON-METRO$355,350$454,900$549,850$683,350
BUTTECHICO, CA$331,760$424,800$513,450$638,100
CALAVERASNON-METRO$373,750$478,450$578,350$718,750
COLUSANON-METRO$331,760$424,800$513,450$638,100
CONTRA COSTASAN FRANCISCO-OAKLAND-BERKELEY, CA$765,600$980,325$1,184,925$1,472,550
DEL NORTECRESCENT CITY, CA$331,760$424,800$513,450$638,100
EL DORADOSACRAMENTO-ROSEVILLE-FOLSOM, CA$569,250$728,750$880,900$1,094,700
FRESNOFRESNO, CA$331,760$424,800$513,450$638,100
GLENNNON-METRO$331,760$424,800$513,450$638,100
HUMBOLDTEUREKA-ARCATA, CA$345,000$441,650$533,850$663,450
IMPERIALEL CENTRO, CA$331,760$424,800$513,450$638,100
INYONON-METRO$373,750$478,450$578,350$718,750
KERNBAKERSFIELD, CA$331,760$424,800$513,450$638,100
KINGSHANFORD-CORCORAN, CA$331,760$424,800$513,450$638,100
LAKECLEARLAKE, CA$331,760$424,800$513,450$638,100
LASSENSUSANVILLE, CA$331,760$424,800$513,450$638,100
LOS ANGELESLOS ANGELES-LONG BEACH-ANAHEIM, CA$765,600$980,325$1,184,925$1,472,550
MADERAMADERA, CA$331,760$424,800$513,450$638,100
MARINSAN FRANCISCO-OAKLAND-BERKELEY, CA$765,600$980,325$1,184,925$1,472,550
MARIPOSANON-METRO$331,760$424,800$513,450$638,100
MENDOCINOUKIAH, CA$409,400$524,100$633,500$787,300
MERCEDMERCED, CA$331,760$424,800$513,450$638,100
MODOCNON-METRO$331,760$424,800$513,450$638,100
MONONON-METRO$529,000$677,200$818,600$1,017,300
MONTEREYSALINAS, CA$672,750$861,250$1,041,050$1,293,750
NAPANAPA, CA$764,750$979,000$1,183,400$1,470,700
NEVADATRUCKEE-GRASS VALLEY, CA$486,450$622,750$752,750$935,500
ORANGELOS ANGELES-LONG BEACH-ANAHEIM, CA$765,600$980,325$1,184,925$1,472,550
PLACERSACRAMENTO-ROSEVILLE-FOLSOM, CA$569,250$728,750$880,900$1,094,700
PLUMASNON-METRO$336,950$431,350$521,400$648,000
RIVERSIDERIVERSIDE-SAN BERNARDINO-ONTARIO, CA$442,750$566,800$685,100$851,450
SACRAMENTOSACRAMENTO-ROSEVILLE-FOLSOM, CA$569,250$728,750$880,900$1,094,700
SAN BENITOSAN JOSE-SUNNYVALE-SANTA CLARA, CA$765,600$980,325$1,184,925$1,472,550
SAN BERNARDINORIVERSIDE-SAN BERNARDINO-ONTARIO, CA$442,750$566,800$685,100$851,450
SAN DIEGOSAN DIEGO-CHULA VISTA-CARLSBAD, CA$701,500$898,050$1,085,550$1,349,050
SAN FRANCISCOSAN FRANCISCO-OAKLAND-BERKELEY, CA$765,600$980,325$1,184,925$1,472,550
SAN JOAQUINSTOCKTON, CA$448,500$574,150$694,000$862,500
SAN LUIS OBISPOSAN LUIS OBISPO-PASO ROBLES, CA$690,000$883,300$1,067,750$1,326,950
SAN MATEOSAN FRANCISCO-OAKLAND-BERKELEY, CA$765,600$980,325$1,184,925$1,472,550
SANTA BARBARASANTA MARIA-SANTA BARBARA, CA$653,200$836,200$1,010,800$1,256,150
SANTA CLARASAN JOSE-SUNNYVALE-SANTA CLARA, CA$765,600$980,325$1,184,925$1,472,550
SANTA CRUZSANTA CRUZ-WATSONVILLE, CA$765,600$980,325$1,184,925$1,472,550
SHASTAREDDING, CA$331,760$424,800$513,450$638,100
SIERRANON-METRO$331,760$424,800$513,450$638,100
SISKIYOUNON-METRO$331,760$424,800$513,450$638,100
SOLANOVALLEJO, CA$506,000$647,750$783,000$973,100
SONOMASANTA ROSA-PETALUMA, CA$704,950$902,450$1,090,850$1,355,700
STANISLAUSMODESTO, CA$365,700$468,150$565,900$703,250
SUTTERYUBA CITY, CA$345,000$441,650$533,850$663,450
TEHAMARED BLUFF, CA$331,760$424,800$513,450$638,100
TRINITYNON-METRO$331,760$424,800$513,450$638,100
TULAREVISALIA, CA$331,760$424,800$513,450$638,100
TUOLUMNESONORA, CA$331,760$424,800$513,450$638,100
VENTURAOXNARD-THOUSAND OAKS-VENTURA, CA$713,000$912,750$1,103,350$1,371,150
YOLOSACRAMENTO-ROSEVILLE-FOLSOM, CA$569,250$728,750$880,900$1,094,700
YUBAYUBA CITY, CA$345,000$441,650$533,850$663,450

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

How are California FHA Limits Set?

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

CA FHA Loan-to-Value Limits (LTV)

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

California FHA loan limits are set above $275,665 in the areas of Los Angeles, San Francisco, San Francisco, San Jose, Oakland, Fresno, Sacramento, Long Beach, Bakersfield, Santa Ana and more. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

Cities in CA that are eligible for FHA loans are listed below:

Los Angeles, Roseville, Santa Clara, Vallejo, El Monte, Victorville, Berkley, Downey, Inglewood, Costa Mesa, San Francisco, Hayward, Orange, Pasadena, Sunnyvale, Simi Valley, Visalia, San Diego, Santa Clarita, Santa Rosa, Garden Grove, Ontario, San Jose, Sacramento, Fresno, Long Beach, Oakland, Bakersfield, Santa Ana, Anaheim, Norwalk, Carlsbad, Fairfield, Richmond, Murrieta, Burbank, Riverside, Stockton, Chula Vista, Fremont, Irvine, San Bernardino, Modesto, Oxnard, Fontana, Moreno Valley, Glendale, South Gate, Vacaville, Mission Viejo, Vista, Newport Beach, Chico, Whittier, San Leandro, Hawthorne, San Marcos, Redding, Hesperia, Huntington Beach, Oceanside, Rancho Cucamonga, Palmdale, Elk Grove, Lancaster, Corona, Salinas, Torrance, Pomona, Escondido, Thousand Oaks, Fullerton, Concord, West Covina, Antioch, Daly City, Temecula, Santa Maria, El Cajon, Rialto, San Mateo, Compton, Clovis, Carson, Santa Barbara, Westminster, Santa Monica, Citrus Heights, Alhambra, Tracy, Livermore, Buena Park, Lakewood, Merced, Hemet, Chino, Menifee, Lake Forrest, and Napa.

Alaska FHA Loan Limits

Alaska FHA Loan Limits

What are FHA Loan Limits in Alaska?

FHA loans are a low down payment mortgage program and Alaska FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. Alaska FHA loan limits widely vary across the state with about half of it’s counties set at the floor amount of $275,665 while other, higher-cost areas have maximum FHA limits of up to $451,950.

Alaska FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ALEUTIANS EASTNON-METRO$331,760$424,800$513,450$638,100
ALEUTIANS WESTNON-METRO$385,250$493,200$596,150$740,850
ANCHORAGE MUNICANCHORAGE, AK$411,700$527,050$637,050$791,750
BETHEL CENSUS ANON-METRO$331,760$424,800$513,450$638,100
BRISTOL BAY BORNON-METRO$331,760$424,800$513,450$638,100
DENALI BOROUGHNON-METRO$331,760$424,800$513,450$638,100
DILLINGHAM CENSNON-METRO$331,760$424,800$513,450$638,100
FAIRBANKS NORTHFAIRBANKS, AK$331,760$424,800$513,450$638,100
HAINES BOROUGHNON-METRO$331,760$424,800$513,450$638,100
HOONAH-ANGOON CNON-METRO$331,760$424,800$513,450$638,100
JUNEAU CITY ANDJUNEAU, AK$455,400$583,000$704,700$875,750
KENAI PENINSULANON-METRO$331,760$424,800$513,450$638,100
KETCHIKAN GATEWKETCHIKAN, AK$369,150$472,550$571,250$709,900
KODIAK ISLAND BNON-METRO$408,250$522,600$631,750$785,100
KUSILVAK CENSUSNON-METRO$331,760$424,800$513,450$638,100
LAKE AND PENINSNON-METRO$331,760$424,800$513,450$638,100
MATANUSKA-SUSITANCHORAGE, AK$411,700$527,050$637,050$791,750
NOME CENSUS ARENON-METRO$391,000$500,550$605,050$751,900
NORTH SLOPE BORNON-METRO$332,350$425,450$514,300$639,150
NORTHWEST ARCTINON-METRO$331,760$424,800$513,450$638,100
PETERSBURG CENSNON-METRO$332,350$425,450$514,300$639,150
PRINCE OF WALESNON-METRO$331,760$424,800$513,450$638,100
SITKA CITY ANDNON-METRO$486,450$622,750$752,750$935,500
SKAGWAY MUNICIPNON-METRO$415,150$531,450$642,400$798,350
SOUTHEAST FAIRBNON-METRO$331,760$424,800$513,450$638,100
VALDEZ-CORDOVANON-METRO$331,760$424,800$513,450$638,100
WRANGELL CITY ANON-METRO$332,350$425,450$514,300$639,150
YAKUTAT CITY ANNON-METRO$420,900$538,800$651,300$809,450
YUKON-KOYUKUK CNON-METRO$331,760$424,800$513,450$638,100

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

How are Alaska FHA Limits Set?

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

AK FHA Loan-to-Value Limits (LTV)

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

Metro areas in Alaska above the floor FHA mortgage limit of $275,665 in the areas of Anchorage, Montgomery, Fairbanks, Juneau, Ketchikan and Kodiak.

Alaska FHA Loan Down Payment Limits:

In Alaska, the minimum FHA loan down payment amounts are based on credit score.  Applicant’s with a credit score of 580 or higher are eligible for 3.5 percent down.

Minimum Credit ScoreMinimum Down Payment
580 FICO or Above3.5% Down Payment
Below 580 FICO10% Down Payment

FHA down payment assistance is also available in certain areas.

You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

Arizona FHA Loan Limits

Arizona FHA Loan Limits

What are FHA Loan Limits in Arizona?

FHA loans are a low down payment mortgage program and Arizona 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 Arizona vary across the state with less than half of it’s counties set at the floor amount of $275,665 while other, higher-cost areas have maximum FHA limits of up to $362,250.

Arizona FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
APACHENON-METRO$331,760$424,800$513,450$638,100
COCHISESIERRA VISTA-DOUGLAS, AZ$331,760$424,800$513,450$638,100
COCONINOFLAGSTAFF, AZ$362,250$463,750$560,550$696,650
GILAPAYSON, AZ$331,760$424,800$513,450$638,100
GRAHAMSAFFORD, AZ$331,760$424,800$513,450$638,100
GREENLEENON-METRO$331,760$424,800$513,450$638,100
LA PAZNON-METRO$331,760$424,800$513,450$638,100
MARICOPAPHOENIX-MESA-CHANDLER, AZ$331,760$424,800$513,450$638,100
MOHAVELAKE HAVASU CITY-KINGMAN, AZ$331,760$424,800$513,450$638,100
NAVAJOSHOW LOW, AZ$331,760$424,800$513,450$638,100
PIMATUCSON, AZ$331,760$424,800$513,450$638,100
PINALPHOENIX-MESA-CHANDLER, AZ$331,760$424,800$513,450$638,100
SANTA CRUZNOGALES, AZ$331,760$424,800$513,450$638,100
YAVAPAIPRESCOTT VALLEY-PRESCOTT, AZ$331,760$424,800$513,450$638,100
YUMAYUMA, AZ$331,760$424,800$513,450$638,100

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

How are Arizona FHA Limits Set?

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

AZ FHA Loan-to-Value Limits (LTV)

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

Arizona FHA loan limits set above the floor of $275,665 in Phoenix, Flagstaff, Mesa, Tucson, Prescott, Scottsdale, and Lake Havasu. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

Alabama FHA Loan Limits

Alabama FHA Loan Limits

What are FHA Loan Limits in Alabama?

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

Alabama FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
AUTAUGAMONTGOMERY, AL$331,760$424,800$513,450$638,100
BALDWINDAPHNE-FAIRHOPE-FOLEY, AL$331,760$424,800$513,450$638,100
BARBOUREUFAULA, AL-GA$331,760$424,800$513,450$638,100
BIBBBIRMINGHAM-HOOVER, AL$331,760$424,800$513,450$638,100
BLOUNTBIRMINGHAM-HOOVER, AL$331,760$424,800$513,450$638,100
BULLOCKNON-METRO$331,760$424,800$513,450$638,100
BUTLERNON-METRO$331,760$424,800$513,450$638,100
CALHOUNANNISTON-OXFORD, AL$331,760$424,800$513,450$638,100
CHAMBERSLAGRANGE, GA-AL$331,760$424,800$513,450$638,100
CHEROKEENON-METRO$331,760$424,800$513,450$638,100
CHILTONBIRMINGHAM-HOOVER, AL$331,760$424,800$513,450$638,100
CHOCTAWNON-METRO$331,760$424,800$513,450$638,100
CLARKENON-METRO$331,760$424,800$513,450$638,100
CLAYNON-METRO$331,760$424,800$513,450$638,100
CLEBURNENON-METRO$331,760$424,800$513,450$638,100
COFFEEENTERPRISE, AL$331,760$424,800$513,450$638,100
COLBERTFLORENCE-MUSCLE SHOALS, AL$331,760$424,800$513,450$638,100
CONECUHNON-METRO$331,760$424,800$513,450$638,100
COOSAALEXANDER CITY, AL$331,760$424,800$513,450$638,100
COVINGTONNON-METRO$331,760$424,800$513,450$638,100
CRENSHAWNON-METRO$331,760$424,800$513,450$638,100
CULLMANCULLMAN, AL$331,760$424,800$513,450$638,100
DALEOZARK, AL$331,760$424,800$513,450$638,100
DALLASSELMA, AL$331,760$424,800$513,450$638,100
DEKALBFORT PAYNE, AL$331,760$424,800$513,450$638,100
ELMOREMONTGOMERY, AL$331,760$424,800$513,450$638,100
ESCAMBIAATMORE, AL$331,760$424,800$513,450$638,100
ETOWAHGADSDEN, AL$331,760$424,800$513,450$638,100
FAYETTENON-METRO$331,760$424,800$513,450$638,100
FRANKLINNON-METRO$331,760$424,800$513,450$638,100
GENEVADOTHAN, AL$331,760$424,800$513,450$638,100
GREENETUSCALOOSA, AL$331,760$424,800$513,450$638,100
HALETUSCALOOSA, AL$331,760$424,800$513,450$638,100
HENRYDOTHAN, AL$331,760$424,800$513,450$638,100
HOUSTONDOTHAN, AL$331,760$424,800$513,450$638,100
JACKSONSCOTTSBORO, AL$331,760$424,800$513,450$638,100
JEFFERSONBIRMINGHAM-HOOVER, AL$331,760$424,800$513,450$638,100
LAMARNON-METRO$331,760$424,800$513,450$638,100
LAUDERDALEFLORENCE-MUSCLE SHOALS, AL$331,760$424,800$513,450$638,100
LAWRENCEDECATUR, AL$331,760$424,800$513,450$638,100
LEEAUBURN-OPELIKA, AL$331,760$424,800$513,450$638,100
LIMESTONEHUNTSVILLE, AL$331,760$424,800$513,450$638,100
LOWNDESMONTGOMERY, AL$331,760$424,800$513,450$638,100
MACONNON-METRO$331,760$424,800$513,450$638,100
MADISONHUNTSVILLE, AL$331,760$424,800$513,450$638,100
MARENGONON-METRO$331,760$424,800$513,450$638,100
MARIONNON-METRO$331,760$424,800$513,450$638,100
MARSHALLALBERTVILLE, AL$331,760$424,800$513,450$638,100
MOBILEMOBILE, AL$331,760$424,800$513,450$638,100
MONROENON-METRO$331,760$424,800$513,450$638,100
MONTGOMERYMONTGOMERY, AL$331,760$424,800$513,450$638,100
MORGANDECATUR, AL$331,760$424,800$513,450$638,100
PERRYNON-METRO$331,760$424,800$513,450$638,100
PICKENSTUSCALOOSA, AL$331,760$424,800$513,450$638,100
PIKETROY, AL$331,760$424,800$513,450$638,100
RANDOLPHNON-METRO$331,760$424,800$513,450$638,100
RUSSELLCOLUMBUS, GA-AL$331,760$424,800$513,450$638,100
SHELBYBIRMINGHAM-HOOVER, AL$331,760$424,800$513,450$638,100
ST. CLAIRBIRMINGHAM-HOOVER, AL$331,760$424,800$513,450$638,100
SUMTERNON-METRO$331,760$424,800$513,450$638,100
TALLADEGATALLADEGA-SYLACAUGA, AL$331,760$424,800$513,450$638,100
TALLAPOOSAALEXANDER CITY, AL$331,760$424,800$513,450$638,100
TUSCALOOSATUSCALOOSA, AL$331,760$424,800$513,450$638,100
WALKERJASPER, AL$331,760$424,800$513,450$638,100
WASHINGTONMOBILE, AL$331,760$424,800$513,450$638,100
WILCOXNON-METRO$331,760$424,800$513,450$638,100
WINSTONNON-METRO$331,760$424,800$513,450$638,100

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

How are Alabama FHA Limits Set?

Alabama FHA Loan LimitsMortgage limits for Alabama 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.

AL FHA Loan-to-Value Limits (LTV)

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

Alabama FHA loan limits are set at the nationwide floor amount in Birmingham, Montgomery, Mobile, Auburn, Tuscaloosa, Hoover, Dothan, Decatur, Madison City, Gulf Shores, Daphne, Fairhope and Orange Beach. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

2020 Arkansas FHA Loan Limits

Arkansas FHA Loan Limits

What are FHA Loan Limits in Arkansas?

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

Arkansas FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ARKANSASNON-METRO$331,760$424,800$513,450$638,100
ASHLEYNON-METRO$331,760$424,800$513,450$638,100
BAXTERMOUNTAIN HOME, AR$331,760$424,800$513,450$638,100
BENTONFAYETTEVILLE-SPRINGDALE-ROGERS, AR$331,760$424,800$513,450$638,100
BOONEHARRISON, AR$331,760$424,800$513,450$638,100
BRADLEYNON-METRO$331,760$424,800$513,450$638,100
CALHOUNCAMDEN, AR$331,760$424,800$513,450$638,100
CARROLLNON-METRO$331,760$424,800$513,450$638,100
CHICOTNON-METRO$331,760$424,800$513,450$638,100
CLARKARKADELPHIA, AR$331,760$424,800$513,450$638,100
CLAYNON-METRO$331,760$424,800$513,450$638,100
CLEBURNENON-METRO$331,760$424,800$513,450$638,100
CLEVELANDPINE BLUFF, AR$331,760$424,800$513,450$638,100
COLUMBIAMAGNOLIA, AR$331,760$424,800$513,450$638,100
CONWAYNON-METRO$331,760$424,800$513,450$638,100
CRAIGHEADJONESBORO, AR$331,760$424,800$513,450$638,100
CRAWFORDFORT SMITH, AR-OK$331,760$424,800$513,450$638,100
CRITTENDENMEMPHIS, TN-MS-AR$331,760$424,800$513,450$638,100
CROSSNON-METRO$331,760$424,800$513,450$638,100
DALLASNON-METRO$331,760$424,800$513,450$638,100
DESHANON-METRO$331,760$424,800$513,450$638,100
DREWNON-METRO$331,760$424,800$513,450$638,100
FAULKNERLITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR$331,760$424,800$513,450$638,100
FRANKLINFORT SMITH, AR-OK$331,760$424,800$513,450$638,100
FULTONNON-METRO$331,760$424,800$513,450$638,100
GARLANDHOT SPRINGS, AR$331,760$424,800$513,450$638,100
GRANTLITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR$331,760$424,800$513,450$638,100
GREENEPARAGOULD, AR$331,760$424,800$513,450$638,100
HEMPSTEADHOPE, AR$331,760$424,800$513,450$638,100
HOT SPRINGMALVERN, AR$331,760$424,800$513,450$638,100
HOWARDNON-METRO$331,760$424,800$513,450$638,100
INDEPENDENCEBATESVILLE, AR$331,760$424,800$513,450$638,100
IZARDNON-METRO$331,760$424,800$513,450$638,100
JACKSONNON-METRO$331,760$424,800$513,450$638,100
JEFFERSONPINE BLUFF, AR$331,760$424,800$513,450$638,100
JOHNSONNON-METRO$331,760$424,800$513,450$638,100
LAFAYETTENON-METRO$331,760$424,800$513,450$638,100
LAWRENCENON-METRO$331,760$424,800$513,450$638,100
LEENON-METRO$331,760$424,800$513,450$638,100
LINCOLNPINE BLUFF, AR$331,760$424,800$513,450$638,100
LITTLE RIVERTEXARKANA, TX-AR$331,760$424,800$513,450$638,100
LOGANNON-METRO$331,760$424,800$513,450$638,100
LONOKELITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR$331,760$424,800$513,450$638,100
MADISONFAYETTEVILLE-SPRINGDALE-ROGERS, AR$331,760$424,800$513,450$638,100
MARIONNON-METRO$331,760$424,800$513,450$638,100
MILLERTEXARKANA, TX-AR$331,760$424,800$513,450$638,100
MISSISSIPPIBLYTHEVILLE, AR$331,760$424,800$513,450$638,100
MONROENON-METRO$331,760$424,800$513,450$638,100
MONTGOMERYNON-METRO$331,760$424,800$513,450$638,100
NEVADAHOPE, AR$331,760$424,800$513,450$638,100
NEWTONHARRISON, AR$331,760$424,800$513,450$638,100
OUACHITACAMDEN, AR$331,760$424,800$513,450$638,100
PERRYLITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR$331,760$424,800$513,450$638,100
PHILLIPSHELENA-WEST HELENA, AR$331,760$424,800$513,450$638,100
PIKENON-METRO$331,760$424,800$513,450$638,100
POINSETTJONESBORO, AR$331,760$424,800$513,450$638,100
POLKNON-METRO$331,760$424,800$513,450$638,100
POPERUSSELLVILLE, AR$331,760$424,800$513,450$638,100
PRAIRIENON-METRO$331,760$424,800$513,450$638,100
PULASKILITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR$331,760$424,800$513,450$638,100
RANDOLPHNON-METRO$331,760$424,800$513,450$638,100
SALINELITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR$331,760$424,800$513,450$638,100
SCOTTNON-METRO$331,760$424,800$513,450$638,100
SEARCYNON-METRO$331,760$424,800$513,450$638,100
SEBASTIANFORT SMITH, AR-OK$331,760$424,800$513,450$638,100
SEVIERNON-METRO$331,760$424,800$513,450$638,100
SHARPBATESVILLE, AR$331,760$424,800$513,450$638,100
ST. FRANCISFORREST CITY, AR$331,760$424,800$513,450$638,100
STONENON-METRO$331,760$424,800$513,450$638,100
UNIONEL DORADO, AR$331,760$424,800$513,450$638,100
VAN BURENNON-METRO$331,760$424,800$513,450$638,100
WASHINGTONFAYETTEVILLE-SPRINGDALE-ROGERS, AR$331,760$424,800$513,450$638,100
WHITESEARCY, AR$331,760$424,800$513,450$638,100
WOODRUFFNON-METRO$331,760$424,800$513,450$638,100
YELLRUSSELLVILLE, AR$331,760$424,800$513,450$638,100

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

How are Arkansas FHA Limits Set?

Arkansas FHA Loan LimitsMortgage limits for Arkansas 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.

AR FHA Loan-to-Value Limits (LTV)

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

Arkansas FHA loan limits are set at the nationwide floor amount in Little Rock, Fayetteville, Pine Bluff, North Little Rock, Jonesboro, Hot Springs, Texarkana, El Dorado, Fort Smith, Springdale, Rogers, Bentonville and Conway. 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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