⚖️ FHA vs. Conventional: Which Loan Is Better for You?
🛡️ What Is FHA Mortgage Insurance and Can You Get Rid of It?
Know your buying power — and whether your loan still qualifies.
FHA loans are designed to help more people buy homes affordably — but there are limits to how much you can borrow.
👉 These loan limits vary by county, and they’re updated every year by the Federal Housing Administration.
Whether you’re buying your first home, a multi-unit property, or doing a cash-out refinance, here’s how FHA loan limits in 2025 affect what you can borrow — and how to plan your purchase or refi.
✅ 2025 FHA Loan Limits: Overview
FHA loan limits are based on local home prices — so they change depending on where you’re buying.
There are two main types of counties:
- Standard counties: Use baseline limits
- High-cost counties: Have expanded limits due to expensive markets
📊 2025 FHA Loan Limits by Property Type (Standard Areas)
| Property Type | Loan Limit (Standard) |
|---|---|
| 1-unit | $498,257 |
| 2-unit | $637,950 |
| 3-unit | $771,125 |
| 4-unit | $958,350 |
🌆 2025 FHA Loan Limits in High-Cost Counties
| Property Type | High-Cost Limit |
|---|---|
| 1-unit | $1,149,825 |
| 2-unit | $1,472,250 |
| 3-unit | $1,779,525 |
| 4-unit | $2,211,600 |
High-cost limits apply in areas like:
- Los Angeles, CA
- San Diego, CA
- Orange County, CA
- New York City, NY
- San Francisco Bay Area, CA
- Honolulu, HI
- Parts of Colorado, Utah, Massachusetts, and D.C. Metro
📌 You can look up your county limit using the HUD FHA Limit Tool:
👉 FHA County Loan Limits Lookup
🧠 Why Loan Limits Matter
If your loan exceeds your county’s FHA limit:
- You’ll need to reduce the loan amount
- Or consider a conventional or jumbo loan
- Or increase your down payment to qualify
If your loan is within limits, you can:
- Take advantage of FHA’s 3.5% down payment
- Use FHA to cash out equity, even in high-priced markets
- Buy a 2–4 unit home using FHA’s multi-family limits
💡 Many buyers are surprised by how much buying power they have in high-cost counties with FHA.
🏢 Why PRMI?
At PRMI, we:
- Help you verify your county’s current loan limits
- Offer FHA purchases, cash-out refis, and multi-unit financing
- Structure your loan to stay within guidelines and maximize approval
- Work with buyers in both standard and high-cost areas nationwide
👇 Want to See Your FHA Loan Limit and What You Can Afford?
We’ll help you check your county, calculate your approval range, and show you the smartest FHA options available today.