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Maximum Mortgage Limits

On November 30, 2021, FHA issued Mortgagee Letter 21-28, effective for forward mortgage case numbers, and Mortgagee Letter 21-29, effective for Home Equity Conversion Mortgage (HECM) case numbers, assigned on or after January 1, 2022.

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) 2022.

FHA's nationwide forward mortgage limit "floor" and "ceiling" for a one-unit property in CY 2022 are $420,680 and $970,800, respectively.

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

For CY 2022, the HECM maximum nationwide claim amount will be $970,800 for all areas, and effective for all case numbers assigned on or after January 1, 2022, through December 31, 2022. Refer to Mortgagee Letter 21-29 for more details.


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