SUBJECT: 2023 FHA Loan Limits
DATE: December 06, 2022
HUD announced the FHA loan limits for 2023 in Mortgagee Letter 2022-20, dated December 1st, 2022. New loan limits apply to case numbers assigned on or after January 1, 2023:
*FHA policy does not allow an existing case number to be cancelled for the sole benefit of using the higher limits
*FHA Loan limits do not apply to FHA Streamline transactions
|
2023 FHA Loan Limits |
||
|
Units |
Low-Cost Area Floor |
High-Cost Area Ceiling* |
|
One |
$472,030 |
$1,089,300 |
|
Two |
$604,400 |
$1,394,775 |
|
Three |
$730,525 |
$1,685,850 |
| Four | $907,900 |
$2,095,200 |
*Actual loan limits for certain high-cost areas may be lower than “ceiling” amount listed above.
To view FHA loan limits by county, click here: FHFA 2023 Loan Limits by County
Additionally, FHA has published a list of areas at the ceiling and between the floor and ceiling:
Please contact your Account Executive with any questions.