FHA Mortgage Loan Limits Rise in 2023
Starting Jan. 1, 2023, the Department of Housing and Urban Development (HUD) is increasing FHA loan limits in 3,222 counties (12 counties will remain the same limits as set for 2022). In Washington DC, limits will exceed $1M.
Here’s a complete list of 2023 FHA loan limits. Search your local FHA loan limits with this tool.
| Property Size | Low-Cost Area | High-Cost Area | Alaska, Hawaii, Guam, U.S. Virgin Islands1 |
| One Unit | $472,030 | $1,089,300 | $1,633,950 |
| Two Units | $604,400 | $1,394,775 | $2,092,150 |
| Three Units | $730,525 | $1,685,850 | $2,528,775 |
| Four Units | $907,900 | $2,095,200 | $3,142,800 |
|
State/County Name |
1 Family |
2 Family |
3 Family |
4 Family |
|
DISTRICT OF COLUMBIA |
$1,089,300. |
$1,394,775. |
$1,685,850. |
$2,095,200 |
Mortgage limits for the special exception areas of Alaska, Hawaii, Guam, and the U.S. Virgin Islands are adjusted by FHA to account for higher costs of construction. Source: HUD.gov