Loan Limits
What happens if my loan is above the FHA limit?
Short answer
FHA can't be used. The options are conventional (up to the conforming limit), high-balance conforming where eligible, or jumbo above that.
Plain-English explanation
Sometimes structuring a higher down payment to bring the loan amount under the FHA cap is the cleaner path — especially if FHA's credit or DTI flexibility is the only reason to use it.
What can change the answer?
FHA county loan limits update annually. Confirm the current limit on the official HUD lookup before structuring an offer.
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
More FHA questions on Loan Limits
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.