2025 Conventional and FHA Mortgage Loan Limits

2025 Mortgage Loan Limits

Conforming Loans vs 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 Distribution

Loan Type	Relative Share
Conventional	71.31%
FHA	17.28%
VA	9.36%
USDA	2.05%

Property Type Distribution

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

Borrower Status	Relative Share
One Applicant	54.97%
Two or More Applicants	45.03%

Gender Distribution

Gender	Relative Share
Male	33.65%
Female	21.92%
Joint Sex	38.50%
Not Available	5.94%

Race Distribution

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 Distribution

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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