The Department of Housing and Urban Development (HUD) has announced the 2018 loan limits in HUD Mortgagee Letter 2017-16, issued December 7, 2017. The FHA loan limit for the low-cost area “floor” and the high-cost area “ceiling” have increased. Any area where the loan limit exceeds the “floor” is a high cost area. The new loan limits are effective for Case numbers assigned on or after January 1, 2018.

Actual loan limits for certain high-cost counties may be lower than the “ceiling” stated above. To view the FHA mortgage limits for 2018 by county, go to FHA Mortgagee Limits and enter the following information:

  • State and County where the property is located
  • Set Limit Type to “FHA Forward”
  • Set Limit Year to “CY2018”

Reminder:  County limits do NOT apply to FHA Streamline transactions.

If you have any questions, please contact your Account Executive.

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