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Find the mortgage loan limits for any U.S. address
2023 U.S. Mortgage Loan Limits
Conforming Loans
FHA Loans
Property Type
2023 Loan Limit
1-Unit Homes
$726,200
2-Unit Homes
$929,850
3-Unit Homes
$1,123,900
4-Unit Homes
$1,396,800
Property Type
2023 Loan Limit
1-Unit Homes
$472,030
2-Unit Homes
$604,400
3-Unit Homes
$730,525
4-Unit Homes
$907,900
Source: Federal Housing Finance Agency; Federal Housing Administration
U.S. mortgage loan limits apply in:
What is a mortgage loan limit?
Mortgage loan limits are the upper boundaries for how much a home buyer can borrow on a mortgage. Loan limits vary by county and home type.
The Federal Housing Finance Agency (FHFA) sets mortgage loan limits for conforming mortgages and the Federal Housing Administration (FHA) sets loan limits for FHA mortgages. In the U.S., the 2023 conforming mortgage loan limit for a 1-unit home is $726,200. The 2023 FHA mortgage loan limit for a 1-unit home is $472,030.
Conforming and FHA mortgage loan limits change annually to reflect changes in local and national home values. Loans that exceed conforming loan limit sizes are commonly called jumbo mortgages. As of 2023, there are no mortgage loan limits for VA loans or USDA loans.
Is Now A Good Time To Buy A House [September 2023]
Video Length: 10:25
Mortgage Loan Limits in the 10 Largest U.S. Counties
Get 2023 conforming and FHA mortgage loan limits for the 10 largest U.S. counties. Local loan limits and county-level mortgage data updated regularly.
Historical Charts: Mortgage Loan Limits in the U.S.
Mortgage loan limits adjust annually to match changes in U.S. home values. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.
Conforming Loans
FHA Loans
National Mortgage Statistics
National mortgage statistics, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.
National Mortgage Data (2018-2022)
Loan Type
Relative Share
Conventional
72.41%
FHA
22.74%
VA
4.76%
USDA
0.09%
Property Type
Relative Share
1-Unit Homes
95.59%
2-Unit Homes
3.32%
3-Unit Homes
0.35%
4-Unit Homes
0.74%
Borrower Status
Relative Share
One Borrower
13.10%
Two or More Borrowers
86.90%
Gender
Relative Share
Male
49.73%
Female
33.79%
Not Specified
16.47%
Race
Relative Share
American Indian / Alaska Native
0.17%
Asian
3.44%
Black / African American
13.47%
Native Hawaiian / Other Pacific Islander
0.09%
White
80.94%
Other
1.89%
Ethnicity
Relative Share
Hispanic or Latino
2.75%
Not Hispanic or Latino
96.03%
U.S. data represents closed-end, first-lien purchase mortgages for residential properties, 1-4 units, for the 5-year period 2018-2022. Source: FFEIC Home Mortgage Disclosure Act
Mortgage Statistics in the 10 Largest U.S. Counties
Get mortgage statistics for the 10 largest U.S. counties. County-level mortgage statistics updated regularly.
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