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Mortgage Loan Limits

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Dan Green

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Published: December 2, 2024

2025 Conventional and FHA Mortgage Loan Limits

Conforming Loans

FHA Loans

Property Type

2025 Loan Limit

1-Unit Homes

$806,500

2-Unit Homes

$1,032,650

3-Unit Homes

$1,248,150

4-Unit Homes

$1,551,250

Source: Federal Housing Finance Agency; Federal Housing Administration

What’s On This Page

This interactive tool shows 2025 conforming and FHA mortgage loan limits, and historical loan limits from 1970 to present. It also includes timely mortgage and home buyer statistics to help first-time buyers make informed home-buying decisions.

2025 Mortgage Loan Limits - Conforming, FHA, and High-Cost Area

Watch this video on YouTube

Video Length: 06:51

Historical Charts: Mortgage Loan Limits

Mortgage loan limits adjust annually to match changes in the FHFA House Price Index.

Conforming Loans

FHA Loans

National Mortgage Statistics

Mortgage statistics are sourced from the FFIEC, which collects anonymous HMDA mortgage data from U.S. mortgage applications.

Mortgages

Total

Purchase Mortgages (2018-2023)

24,762,591

Loan Type

Relative Share

Conventional

71.31%

FHA

17.28%

9.36%

USDA

2.05%

Property Type

Relative Share

1-Unit Homes

98.19%

2-Unit Homes

1.41%

3-Unit Homes

0.24%

4-Unit Homes

0.16%

Borrower Status

Relative Share

One Applicant

54.97%

Two or More Applicants

45.03%

Gender

Relative Share

Male

33.65%

Female

21.92%

Joint Sex

38.50%

Not Available

5.94%

Race

Relative Share

American Indian / Alaska Native

0.50%

Asian

6.50%

Black / African American

7.09%

Native Hawaiian / Other Pacific Islander

0.19%

White

69.99%

Mixed Race

2.57%

Other Race

13.15%

Ethnicity

Relative Share

Hispanic or Latino

10.69%

Not Hispanic or Latino

73.90%

Joint Ethnicity

2.59%

Other Ethnicity

12.82%

Mortgage data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits in the 10 Largest U.S. Counties

2025 conforming and FHA mortgage loan limits for the 10 largest U.S. counties. Local loan limits and county-level mortgage data updated regularly.

Los Angeles County, California

Cook County, Illinois

Harris County, Texas

Maricopa County, Arizona

San Diego County, California

Orange County, California

Miami-Dade County, Florida

Dallas County, Texas

Kings County, New York

Riverside County, California

What Is A Mortgage Loan Limit?

A mortgage loan limit is the maximum amount a homebuyer can borrow with a mortgage. Loan limits depend on the type of home and the county where the property is located. Some counties are designated as high-cost areas, allowing higher loan limits to reflect local home prices.

The Federal Housing Finance Agency (FHFA) sets loan limits for conventional mortgages, and the Federal Housing Administration (FHA) sets them for FHA mortgages. For 2025, the conforming loan limit for a one-unit home is $806,500, and the FHA loan limit is $524,225.

Loan limits are updated every year based on changes in home values across the country. Mortgages that exceed the conforming loan limit are called jumbo mortgages. In 2025, VA loans and USDA loans have no loan limits, offering more flexibility for qualified borrowers.

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