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Dan Green
Dan Green

Dan Green

Homebuyer.com

Dan Green has helped millions of people achieve their American Dream of homeownership. Dan has developed dozens of tools, written thousands of mortgage articles, and recorded hundreds of educational videos. .

Dan Green

Dan Green

Homebuyer.com

Dan Green has helped millions of people achieve their American Dream of homeownership. Dan has developed dozens of tools, written thousands of mortgage articles, and recorded hundreds of educational videos. .

This website discusses mortgage programs and how to qualify. Your eligibility may vary based on lender guidelines and investor overlays. Check with your lender for specific details.

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This article was checked for accuracy as of December 2, 2024. Learn more about our commitments to accuracy and your mortgage education in our editorial guidelines.

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Trusted Content

This article was checked for accuracy as of December 2, 2024. Learn more about our commitments to accuracy and your mortgage education in our editorial guidelines.

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 Areas
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%
VA
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.

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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Mortgage Limits By State

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