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National conforming loan limits for Fannie Mae and Freddie Mac jumped in 2022 to $647,200, making FHA’s floor limits about 65 percent of their conforming-loan counterparts. For example, a house in San Francisco has a higher valuation than a comparable house in Houston. More expensive areas have higher FHA loan limits. FHA loan limits 2022 FHA loan limitsįor single-family home loans this year, the FHA loan limits range from a floor of $420,680 to a ceiling of $970,800. Designed for low- to moderate-income borrowers, FHA loans enable borrowers to qualify with lower minimum down payments and lower credit scores than are required for many conventional loans, which are not guaranteed or insured by a government agency. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.Īn FHA mortgage loan is one issued by an FHA-approved lender and insured by the FHA. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site.
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