What happens if my loan is above the FHA limit?
That loan amount is too high for FHA in that county. A larger down payment may bring the base loan within the limit; otherwise compare a lower-priced home or another loan program.
What this actually means.
The FHA limit applies to the base loan before financed upfront mortgage insurance. Check the correct county and number of units. If the base loan is too high, compare the additional down payment needed with Conventional or another appropriate program.
Where this can move.
FHA county loan limits update annually. Confirm the current limit on the official HUD lookup before structuring an offer.
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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. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.