FHA Loan Limits & How They Work
FHA Loan Limits & How They Work can make or break an FHA approval — here are the 2026 rules and the numbers that matter.
The rule for 2026
FHA limits are 65% (floor, $541,287) to 150% (ceiling, $1,249,125) of the 2026 conforming limit, set per county based on local home prices relative to the conforming limit.
FHA sets this baseline, but approved lenders can add stricter "overlays." Meet the FHA standard first, then confirm whether your lender layers anything on top.
Documentation you'll need
- 30 days of pay stubs and two years of W-2s or tax returns
- Two months of bank statements
- Photo ID and Social Security number
- Letters of explanation for any credit events or large deposits
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Frequently Asked Questions
- FHA Loan Limits & How They Work — what's the bottom line for 2026?
- FHA limits are 65% (floor, $541,287) to 150% (ceiling, $1,249,125) of the 2026 conforming limit, set per county based on local home prices relative to the conforming limit.
- Do all lenders apply this the same way?
- No. FHA sets the floor, but individual lenders may require higher credit scores or stricter terms.