2025 Loan Limits
At the start of most years, the loan amount limits for the popular conforming loan and FHA loan programs are raised to keep pace with rising home values. Increasing these limits allows borrowers to purchase or refinance a home for a larger loan amount than previously available. Every county has specific limits based on local home values. Here’s how these limits are changing for 2025.
Conforming Loan Limits
Conforming loans are popular because they generally offer lower rates, fees, and down payment minimums and more flexible requirements than non-conforming loans.
Baseline Loan Limits (most of the U.S.)
Property # of Units
2024 Limit
2025 Limit
One
$766,550
$806,500
Two
$981,500
$1,032,650
Three
$1,186,350
$1,248,150
Four
$1,474,400
$1,551,250
High-Cost Area Maximum Loan Limits
Property # of Units
2024 Limit
2025 Limit
One
$1,149,825
$1,209,750
Two
$1,472,250
$1,548,975
Three
$1,779,525
$1,872,225
Four
$2,211,600
$2,326,875
2025 Conforming Loan Limit Values Map
The Money Store is offering the new limits effective immediately.
To look up the specific conforming loan limits for a county, visit this page.
FHA Loan Limits
FHA loans are popular for offering down payment minimums as low as 3.5% and credit score minimums as low as 580.
Low-Cost Area Floor Loan Limits
Property # of Units
2024 Limit
2025 Limit
One
$498,257
$524,225
Two
$637,950
$671,200
Three
$771,125
$811,275
Four
$958,350
$1,008,300
High-Cost Area Ceiling Loan Limits
Property # of Units
2024 Limit
2025 Limit
One
$1,149,825
$1,209,750
Two
$1,472,250
$1,548,975
Three
$1,779,525
$1,872,225
Four
$2,211,600
$2,326,875
FHA loan limits are higher in Alaska and Hawaii.
The new FHA loan limits are available for loans with FHA case numbers on or after January 1, 2025.
To look up the specific FHA loan limits for a county, visit this page, and be sure to select “CY2025” for the limit year.
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