02/24/2026
π’ Big FHA Loan Limit News for 2026!
HUD has announced the new 2026 FHA loan limits, and they're higher-creating more opportunity for buyers across the country. Loan limits vary by county.
π‘ One-Unit Homes
* Low-cost areas: up to $541,287
* High-cost areas: up to $1,249,125
Interested in a multi-unit property? Ask your loan officer about multi-unit FHA limits in your area.
β° Important timing note:
These new limits apply to FHA case numbers assigned on or after January 1, 2026.
Wondering what the FHA limit is in your county or how this could impact your home goals? Let's connect.
*Loan limits for 2025 as outlined by HUD and FHFA.
Eligibility and approval is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral and underwriting requirements. Direct Mortgage Loans, LLC is licensed in Maryland. Direct Mortgage Loans, LLC NMLS ID # is 832799 (http://www.nmlsconsumeraccess.com ). Direct Mortgage Loans, LLC office is located at 11011 McCormick Rd Ste 400, Hunt Valley, MD 21031.