FHA Mortgage Limits - Processing

The Federal Housing Administration (FHA) sets limits on FHA mortgage loan amounts that HUD will insure. Limits are set for both FHA-insured traditional forward loans and FHA-insured Home Equity Conversion Mortgage (HECM) reverse loans. Limits set by Fannie Mae/Freddie Mac conventional loans are also available. To view or download current mortgage limit information:

Requesting an FHA Mortgage Limits List

  1. On the FHA Mortgage Limits page, specify the display order of your results by selecting one of the choices in the Sorted By drop-down list.  Results are presented in alphabetical order, A-Z, or numerical order, 0-9.

  2. Then enter at least one of the following requirements.

    Note: Where indicated, you may enter partial information (one or more characters) to retrieve records (FHA mortgage limits lists) that correspond with the entered criteria, e.g., entering "P" in the County field retrieves all FHA mortgage limits information for counties with names beginning with "P." If multiple fields allow a partial entry and partial information is entered, all specified criteria is searched and only matching information is retrieved/displayed.

    State: Select a state from the drop-down list. If All States is selected, an additional requirement such as County must be entered.
    County: Type a full or partial county name.
    County Code: Type a full or partial three-digit county code.
    MSA Name: Type the full or partial name of a specific Core Based Statistical Area (CBSA), i.e., Metropolitan Statistical Area (MSA), Micropolitan Statistical Area(Micro), or Metropolitan Division. Type Non-metro for high cost non-urban areas that are not part of a CBSA.
    MSA Code: Type the five-digit code for the Core Based Statistical Area (CBSA), i.e., Metropolitan Statistical Area (MSA), Micropolitan Statistical Area (Micro), or Metropolitan Division. Use 99999 for high cost non-urban areas that are not part of a CBSA.

  1. Select the appropriate category of mortgage limits using the drop-down list in the Limit Type field.

  2. Select the calendar year, e.g., CY2009, for which mortgage limits are being requested in the Limit Year field.

  3. To retrieve only mortgage limits changed on or after a specific date, type the date in the Last Revised field.

  4. Click Send. If information is found based on the criteria you entered, the FHA Mortgage Limits List page appears with selected information. A message at the top of the page states: Mortgage Limits successfully completed. To download mortgage limits data and/or file descriptions, click File Layouts Page.

    -or-

    If no information is found based on the criteria you entered, the FHA Mortgage Limits page appears with an error message at the top of the page that states: Mortgage Limits not processed due to error(s). The selection criteria you entered are listed and an Error(s) Detected message at the bottom of the page states: No records matched your criteria. See Correcting Search Errors.

    -or-

    If there is an error, the FHA Mortgage Limits page appears with an error message at the top of the page that states: Mortgage Limits not processed due to error(s). The selection criteria you entered are listed and an Error(s) Detected message at the bottom of the page describes the error. See Correcting Search Errors.

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Requesting Another FHA Mortgage Limits List

  1. Use the Previous button at the bottom of the page or your browser Back button to return to the FHA Mortgage Limits page.
  2. Click Reset to clear all previously entered selections and enter new search criteria to obtain the desired list. See Requesting an FHA Mortgage Limits List.

    -or-

    Modify the previously entered selections.

  3. Click Send to process again.

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Correcting Search Errors

Review the information on the FHA Mortgage Limits page, specifically noting the Error(s) Detected message.

  1. Enter or change one or more selections to correct the indicated error. See Requesting an FHA Mortgage Limits List.

  2. Click Send to process again.

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Downloading a Mortgage Limits List

You can view and/or download (save) a file of all current FHA Forward or FHA HECM mortgage limits, as well as the corresponding file layout/description.

  1. On the Mortgage Limits page or the Mortgage Limits List page, click the File Layouts Page link at the bottom of the page to view the list of available information. A list of mortgage limit types (i.e., FHA Forward, FHA HECM) and links to the corresponding mortgage limits and the file layout/description are displayed. Mortgage Limit information is provided in a flat file format.

  2. Click the link for the desired file or description.

  3. Click File, Save As. Your browser will lead you through the process of naming and saving the file.

  4. Use your browser's Back button to return to the CHUMS Data Files page.

  5. Repeat these steps to download (save) the file description and/or another mortgage limit file as needed.

See Also

FHA Mortgage Limits Page - Field Descriptions

FHA Mortgage Limits List Page - Field Descriptions

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Last revised: March 18, 2009