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Maximum Mortgage Limits

On December 1, 2022, FHA issued Mortgagee Letter 2022-20, effective for forward mortgage case numbers, and Mortgagee Letter 2022-21 , effective for Home Equity Conversion Mortgage (HECM) case numbers, assigned on or after January 1, 2023.

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) 2023.

FHA's nationwide forward mortgage limit "floor" and "ceiling" for a one-unit property in CY 2023 are $472,030 and $1,089,300, respectively.

Select the links below for additional mortgage limits guidance for forward mortgages:

Refer to Mortgagee Letter 2022-20 for more details.

For CY 2023, the HECM maximum nationwide claim amount will be $1,089,300 for all areas, and effective for all case numbers assigned on or after January 1, 2023, through December 31, 2023. Refer to Mortgagee Letter 2022-21 for more details.


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