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


Low-Cost Area Floor

High-Cost Area Ceiling*










Four $907,900


*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.