FHA Lenders
Mortgage Origination
Reverse Mortgages
More items...
Approvals & Renewals
Need to Contact Us?
- Email: answers@hud.gov
- Phone: (800) CALL FHA
8 a.m. to 8 p.m. ET - National Servicing Center
- Email: Mortgagee Review Board
Mortgage Servicing
- FHA Connection - real-time access
- Relief options for FHA loans
Loss Mitigation
Maximum Mortgage Limits
On December 11, 2025, FHA published Mortgagee Letter 2025-23, 2026 Nationwide Forward Mortgage Limits, and Mortgagee Letter 2025-22, 2026 Nationwide Home Equity Conversion Mortgage (HECM) Limits for case numbers assigned on or after January 1, 2026.
These Mortgagee Letters provide the mortgage limits for Title II FHA-insured forward mortgages and the maximum claim amount for FHA-insured HECMs for Calendar Year (CY) 2026.
2026 Nationwide Forward Mortgage Limits
FHA's nationwide forward mortgage limit "floor" and "ceiling" for a one-unit property in CY 2026 are $541,287 and $1,249,125, respectively.
Select the links below for additional mortgage limits guidance for forward mortgages:
- FHA Mortgage Limits Search
- Areas at Ceiling
- Areas Between Floor and Ceiling
- Jurisdictions with Loan Limit Decreases
Refer to Mortgagee Letter 2025-23 for more details.
2026 Nationwide HECM Limits
For CY 2026, the HECM nationwide maximum claim amount will be $1,249,125 for all areas, and effective for all case numbers assigned on or after January 1, 2026, through December 31, 2026.
Refer to Mortgagee Letter 2025-22 for more details.
Additional Information
Online Answers 24/7
SF Handbook 4000.1
How to Become an FHA-approved Lender
Click here to obtain information on participating in FHA Single Family, Multifamily, and/or Healthcare loan programs.
What's New
- Minimum Property Standards (MPS) Partial Waiver
- Updates to Servicing, Loss Mitigation, and Claims, and Appendix 4.0 of its Single Family Housing Policy Handbook 4000.1 (ML 2025-06)
- Updated Nonprofit Approval and Recertification Procedures (ML 2025-05)
- Extension of the Foreclosure Moratoriums in Connection with Hurricanes Helene and Milton (ML 2024-25); and Limited Waiver Early Payment Default (EPD) Policy
Subscribe to FHA INFO Announcements
Subscribe to receive FHA INFO announcements and SF NEWS about Mortgagee Letter issuances, procedure updates, and training & events via email. Research a list of all previous FHA INFO and SF NEWS in the: