They are for the high-price county within each defined metropolitan area, and for the high-price year starting with 2008 and ending in the year just prior to the effective year of the loan limits. These median prices only directly determine the actual (1-unit) loan limits when the calculated limit (115% of the median price) is between the national ceiling and floor values for the loan Areas The FHA’s loan limits for high-cost areas (with comparatively high home prices) are set at 150% of the national conforming cap of $510,400. This results in the following maximum amounts: One-unit: $822,375; Two-unit: $1,053,000; Three-unit: $1,272,750; Four-unit: $1,581,75014/07/2020 · FHA Home Loan Limits For 2020. FHA loan limits for 2020 are not restricted to a single list. Instead, there is one for high-cost markets, and one for low-cost housing markets. The typical FHA loan limit “floor” nationwide for a single family home is $331,760 and that generally applies for roughly 80% of all counties in the United States. For 2020, FHA home loan limits in high-cost and low-cost areas are as follows: FHA Loan Limits …If the home value falls between the lower and upper FHA loan limits, the one-unit limit is equal to 115% of the median sale price of a home in the area. For example, if the median sale price in a particular market is $500,000, the loan limit would be (115% of $500,000) $575, Loan Limits and GuidelinesFHA Loan Limits for 2021: Maximum Mortgage Amount by CountyFHA Loan Limits and GuidelinesFHA Loan Limits and Guidelines

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