FHA Loan Limit by County 2026 Calculator
Quickly check whether your home purchase price fits within your county's 2026 FHA loan limit, including high-cost area exceptions and Alaska/Hawaii/Guam/Virgin Islands special limits.
| FHA Loan Details | |
| FHA Floor (1-unit) | — |
| FHA Ceiling (1-unit) | — |
| Your County Limit (1-unit) | — |
| Limit For Selected Unit Count | — |
| Down Payment Check | |
| Minimum 3.5% DP Required | — |
| Your Down Payment | — |
| Loan Amount Needed | — |
An FHA loan limit by county 2026 calculator tells you the maximum FHA-insured mortgage allowed in your county based on HUD's tiered limits — floor, mid-high, ceiling, and special exception areas — and adjusted for property unit count.
2026 FHA Loan Limits — Floor and Ceiling
For 2026, HUD set the FHA loan limit floor at $524,225 (65% of the FHFA $806,500 conforming limit) for single-family homes in standard-cost areas. The high-cost area ceiling rose to $1,209,750 (150% of conforming). Most counties fall somewhere between these two endpoints based on local median home prices (source: hud.gov).
Multi-Unit Property Multipliers
FHA allows 2-4 unit purchases with the same minimum 3.5% down payment as single-family, but the loan limits scale up: 2-unit = 1.281×, 3-unit = 1.548×, 4-unit = 1.924× of the 1-unit county limit. For example, a 4-unit in a standard-cost county can reach $1,008,665 (524,225 × 1.924).
Special Exception Areas (Alaska, Hawaii, Guam, Virgin Islands)
Construction costs in these territories trigger a 150% multiplier on top of the standard ceiling, allowing FHA-insured loans up to $1,814,625 for single-family homes in high-cost Hawaii or Alaska counties.